Debt Collection Review

Review and analysis of 90,175 consumer complaints for 2,477 debt collection financial institutions

Best Debt Collection Companies

Universal Acceptance Corporation
United Portfolio Corp.
Amscot Corporation
United PanAm Financial Corp.
LDF Holdings, LLC
Delta Outsource Group, Inc.
Mendelson Law Firm

Worst Debt Collection Companies

Association Capital Resources, LLC
Susquehanna Bank
TH Professional & Medical Collections LTD
State Farm Bank
United Guaranty
RR Resource-Recovery
Accounts Research, Inc.

Company

Explore common Debt Collection complaints by state. On average, California, Texas, and Florida have the highest percentage of consumer complaints agains financial companies that offer all products and services.

The most common type of debt collection complaint is about continued attempts to collect a debt that the consumer reports is not owed. In many of these cases, the attempt to collect the debt is not itself the problem; rather, consumers assert that the calculation of the amount of underlying debt is inaccurate or unfair. In other cases, the consumer complains about the furnishing of information to credit reporting agencies. These complaints, which are often consistent with complaints consumers submit about credit reporting, suggest that consumers frequently only learn about debt collection accounts when they check their credit reports.

Complaints about debt collectors communications tactics (telephone collections especially) are also still very common. In addition to the frequent complaints about collection calls, which consumers say are too frequent or at inconvenient times of the day, there were a significant number of complaints about calls to third parties or calls to the consumer's place of employment.

Consumers also complained about the lack of debt validation received from debt collectors and consumers often ask collectors for additional documentation to support the debt. The amount of documentation provided by some debt collectors in response appears to frustrate many consumers, especially when the documentation is a simple invoice or bill for the services or goods that were the subject of the debt being collected. There are a number of collectors who reportedly respond to any consumer complaints by closing the account and returning it to their client.

Issue

Debt Collection Complaint Historical Trends

New Debt Collection Complaints

Valentine and Kebartas, Inc. Debt collection communication tactics frequent or repeated calls

September 26, 2019 - Valentine and Kebartas called everyday from -/-/2019 until current using different numbers - -, Florida area - ) from a company in Massachusetts. I finally spoke to a supervisor, - -, and he would not disclose the reason for the call. The representative and - - both possessed an abusive tone towards me. They never left a message when they called everyday. The process is dece...

Read more

CCS Financial Services, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 24, 2019 - I received a letter stating i owned this company money, First time hearing from this company and about this debt....

Read more

Recovery Solutions Group, LLC Debt collection took or threatened to take negative or legal action seized or attempted to seize your property

September 24, 2019 - My mother keeps getting calls on her cell for me saying I owe this debt that I have never heard of the original company or the collection company. The caller says they are going to come seize all my property and my checking account if I do not pay them. Once again I never signed anything for this debt....

Read more

Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt is not yours

September 24, 2019 - After numerous attempts to get verification about these fraudulent accounts from the three credit bureaus -, -, and - I have never received any response back as yet. These accounts do not belong to me as follows : 1.Medical data systems acct # - 2- - service acct # - 3.- - - acct-*** 4.- - - acct - -acct # - 5. - -/- acct # - 6. -...

Read more

Allied Collection Services, Inc. (Nevada) Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 24, 2019 - Allied Collection representing - - has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality o...

Read more

Nevada Credico, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 24, 2019 - QUANTUM COLLECTIONS representing - - - has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my qu...

Read more

CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

September 24, 2019 - - - - - - - -, GA - CREDIT COLLECTION SERVIC - - - -, MA - ( - ) - - : Collection account : $86.00 To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau s , the highly negative impact on my personal credit report. Pl...

Read more

AR Resources, Inc. (FL) Debt collection attempts to collect debt not owed debt is not yours

September 23, 2019 - It started in -/-/- but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw - that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of - -/-/2019 for a balance of $710.00 through - as well as Are resources in I'm not aware ofI 'm not aware of -/-/2019 for a balance of - threw - that I a...

Read more

CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

September 23, 2019 - -, - SOC SEC # - DOB -/-/- ADDRESS - - - - - -, FL - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- CREDIT COL- - CREDIT COLL - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. ...

Read more

Hunter Warfield, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

September 22, 2019 - Back in -/-/2019, in need of a new car, I visited the dealership to see if I could get some sort of financing. The sales rep came back with a twisted face and a horrible credit report in his hands saying that my score was -!!!!! The last time I had checked my score it was in the mid 600s and I didnt recognize alot of the information that was in my credit report like collection accounts, credi...

Read more

Hunter Warfield, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

September 22, 2019 - Back in -/-/-, in need of a new car, I visited the dealership to see if I could get some sort of financing. The sales rep came back with a twisted face and a horrible credit report in his hands saying that my score was -!!!!! The last time I had checked my score it was in the mid 600s and I didnt recognize alot of the information that was in my credit report like collection accounts, credi...

Read more

Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours

September 19, 2019 - looking over - credit report and their are two collection agencies thats trying to collection on the same account which I have to knowledge of and never contacted about this debt....

Read more

Medical-Commercial Audit Inc Debt collection written notification about debt didn't receive enough information to verify debt

September 14, 2019 - MCA Management Company out of Missouri placed a collections on my credit report for $1500.00 back in -/-/-. I don't recognize this account and will need verification of this account and what the $1500.00 is for. There wasn't any mail in regards to what the collections is for. As highlighted in the FCRA Reporting Act, please provide verification of this collection. Also, please cease any...

Read more

Javitch, Block & Rathbone LLC Debt collection communication tactics called before 8am or after 9pm

September 13, 2019 - Called repeatedly @ - -., - -., & - -...

Read more

Receivables Management Corporation Debt collection attempts to collect debt not owed debt was result of identity theft

September 12, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

Read more

TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours

September 12, 2019 - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve t...

Read more

Source Receivables Management LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 7, 2019 - They keep reporting that I owe them but I dont even know who this credit company is at all so why would I pay for something I never got at all so they said my credit will go down and won't be able to ever get anything and that is really hurting my credit to even try to get a car any where...

Read more

LJ Ross Associates Debt collection attempts to collect debt not owed debt is not yours

September 7, 2019 - I have previously contacted CFPB ref:-- as of -/-/2019 the respondent has Sold the Debt to L J Ross Associates In. Reported By L J Ross Associates In - - -, -, MI - ( - ) - Account Number - Date Reported -/-/2019 Creditor Class Utilities Client Name - - - - Original Amount $550.00 Again, Multiple Letters have been sent to -, and their collectio...

Read more

ProCollect, Inc Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

September 6, 2019 - 1. Debt collection, about the move-out charge for bed 2. I solved the issues with the rental company before already, but they keep letting debt collector contact me for the money, and now they denied we solved the issue before. 3. Dear CFPB : Thank you so much for taking the time to read all those and helping me. Two years ago, I lived in - - at - - : - - -, - -, PA -...

Read more

Army and Air Force Exchange Service Debt collection attempts to collect debt not owed debt was result of identity theft

September 5, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

Read more

TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

September 4, 2019 - I have been arguing with Transunion for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also su...

Read more

Overton, Russell, Doerr and Donovan, LLP Debt collection attempts to collect debt not owed debt was result of identity theft

September 3, 2019 - I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached....

Read more

JH Portfolio Debt Equities, LLC Debt collection attempts to collect debt not owed debt is not yours

September 3, 2019 - I received a letter from Credit Control LLC for a debt and account with center point issued by - - - - dba - - ( had received something from - - for same false item a month ago! ). This account is not mine and I have idea what this is. I was a victim of identity theft back in -/-/2014 but I am unsure if this account is from that issue. I want them at Credit Control LLC ...

Read more

Lockhart, Morris & Montgomery Inc. Debt collection attempts to collect debt not owed debt is not yours

August 29, 2019 - This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe....

Read more

TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection written notification about debt didn't receive enough information to verify debt

August 29, 2019 - I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this...

Read more

ERC Debt collection written notification about debt didn't receive notice of right to dispute

August 28, 2019 - i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for servic...

Read more

SYNCHRONY FINANCIAL Debt collection communication tactics frequent or repeated calls

August 24, 2019 - This company continues to send me robots calls and text messages saying they are synchrony bank and I have a debt with ashley furniture. There's nothing in my. Credit report and I've never been there. It's frustrating because they call multiple times a day, and I feel like that's violating my rights. They have been doing this for a couple mo these and its progressing to 3x a day. I can provide the...

Read more

ERC Debt collection attempts to collect debt not owed debt is not yours

August 23, 2019 - Today I learned your organization has reported a balance of $770.00 for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past...

Read more

Credit Protection Association, L.P. Debt collection false statements or representation attempted to collect wrong amount

August 20, 2019 - This debt has been placed on my credit. No knowledge of this debt the residence this only debt I never live there try to dispute the death of - - - - will experience I’m able to they want to collect $- and which I don’t know why and I don’t know when it’s wet come from trying to dispute it and try to get information about it with no of course....

Read more

HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

August 20, 2019 - -, - - SOC SEC # - DOB -/-/- ADDRESS -/-/-, -/-/-, FL -/-/-ATTENTION DISPUTE DEPARTMENTTODAYS DATE: -/-/-ARS ACCOUNT RESOLUTION -Your company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve ...

Read more