Debt Collection Review

Review and analysis of 89,818 consumer complaints for 2,474 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
Green & Sons Agency, Inc.
TH Professional & Medical Collections LTD
State Farm Bank
United Guaranty
RR Resource-Recovery

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

ProCollect, Inc Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

February 28, 2019 - I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online....

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

February 26, 2019 - I received a call at - -. on -/-/ 2019 from a very brusque-mannered man who threatened that my rental and credit history would be RUINED because I refused to provide personal information. He said he was " notating my file as a refusal to pay '' when I advised that I would not be giving any personal information to a stranger by phone because I've been a victim of identity theft. I never sai...

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ATG Credit, LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

February 11, 2019 - I routinely check my credit report for updates and inaccuracies. I checked my report during the week of -/-/- after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both - and - had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never...

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Harris & Harris, Ltd. Debt collection attempts to collect debt not owed debt is not yours

February 9, 2019 - A message from Harris Debt collection at phone number -. No information of debt owed or address of Harris or answer of the call. I looked this blnumber and there are multiple complaints, and apparently no action to shut down this scam....

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MNS & Associates LLC Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

January 29, 2019 - Called family members claiming I used them as reference on credit application, asked them for my Social Security Number and address....

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JH Portfolio Debt Equities, LLC Debt collection threatened to contact someone or share information improperly contacted your employer

January 28, 2019 - Calling me at my place of employment. I am afraid this will get me fired. I dont think this is a legal way to contact me....

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Key 2 Recovery, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 25, 2019 - I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop....

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

January 25, 2019 - - - is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on -/-/- to get the issue resolved but no one would help me. They are reporting this account as of -/-/-...

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Helvey & Associates Debt collection attempts to collect debt not owed debt is not yours

January 23, 2019 - While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer - -. My name is - -. This does not p...

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Alpine Credit, Inc Debt collection attempts to collect debt not owed debt is not yours

January 22, 2019 - I had a medical debt that should have been paid by medicaid but it wasn't. Now i have not one but 2 duplicate collections on my credit report from different companies for a debt that i never should've had to pay to begin with....

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Master Finance Company Debt collection attempts to collect debt not owed debt is not yours

January 14, 2019 - After reviewing my credit profile on -/-/- I identified a discrepancy with account listed under Master Finance. I requested a validation on -/-/- as there was an account that I did not recognize. I reviewed my credit report again on -/-/- and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belon...

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

January 9, 2019 - This company has threatened me and placed fraudulent collection on my credit report....

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WAKEFIELD & ASSOCIATES, INC. Debt collection attempts to collect debt not owed debt was paid

January 9, 2019 - I paid a hospital bill and then i noticed that i had the exact same amount in a collection on my credit report. i have tried to tell the company that i paid this already, i've tried disputing it with the credit bureaus but have been unsuccessful. Please help...

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Convergent Resources, Inc. Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 4, 2019 - Company continues to call government work phone even after being notified that personal calls can not be taken and to stop calling. Most recent calls are -/-/2019 at -, -, -....

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

January 3, 2019 - FTC NOT MINE REMOVE...

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MJ Altman Companies, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

January 2, 2019 - In response to CFPB:- This dispute is not about my -.Validation of people using my information is not a proper investigation, do not just put into -. I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official valida...

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WAKEFIELD & ASSOCIATES, INC. Debt collection communication tactics frequent or repeated calls

December 31, 2018 - Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. - the phone number and saw several reports of it belonging to - - -. I can provide screen shots of the call logs from my phone....

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Penn Credit Corporation Debt collection attempts to collect debt not owed debt is not yours

December 28, 2018 - I have received numerous phone calls from Penn Credit Corporation, or at least that is the name they say they are. The number is -. I have received countless voicemails trying to collect a debt. I do not have any debts in collections, and when I asked these morons who they were calling for, they gave a name that is not mine. These harassing phone calls need to stop....

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Hunter Warfield, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 28, 2018 - I have attempted to remove this erroneous debt from my credit profile for years. Despite my disputes, Hunter Warfield , Inc has refused to remove the account from my credit profile. I have sent multiple letters requesting that the account be removed if it could not be validated under the appropriate guidelines. Specifically : -/-/- Hunter Warfield Inc reports debt owed to credit agencies of -...

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HCFS Health Care Financial Services, Inc. Debt collection communication tactics frequent or repeated calls

December 27, 2018 - THEY HAVE BLOCKED MY PHONE NUMBER SO I CAN NOT CALL THEM BECAUSE THIS IS A DEBT THAT SHOULD NOT E-IST. OTHER PEOPLE CAN CALL THEM, JUST NOT ME....

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ERC Debt collection communication tactics frequent or repeated calls

December 21, 2018 - Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am - and wife is - and these repeated calls upset us. I am asking that this company be ...

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

December 18, 2018 - ATTENTION DISPUTE DEPARTMENT TODAYS DATE : -/-/- - - - Last reported : -/-/- 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. I need this resolve, under the Fair Credit Reporting Act, these disputed items may ...

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Action Collection Service Debt collection communication tactics frequent or repeated calls

December 17, 2018 - Action Collection Services out of -, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or ...

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

December 15, 2018 - This company - - - sent me correspodence in the mail stating that i owe them $100.00. I never did business with this company, never signed a contract, or heard of them. I sent them a debt validation letter in the mail to have them properly validate this debt and i was ignored, its been past 30 days. I would like to know where this debt came from, and see a copy of the original sined con...

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

December 5, 2018 - I have repeatedly tried to fix this problem with - - -. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection...

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Capital Accounts, LLC Debt collection false statements or representation attempted to collect wrong amount

December 4, 2018 - CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both t...

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NRA Group, LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

December 3, 2018 - On -/-/18, I received a telephone call from -, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call ...

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Universal Fidelity LP Debt collection written notification about debt didn't receive notice of right to dispute

November 30, 2018 - I have already submitted a complaint about this mailorder through - - that I did not order last week. I told you in the complaint details about this bogus order I did not place and how I have already sent them a affidavit to cancel the account and harassment well since then I received the 3 attachments I will attach to this complaint...

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ERC Debt collection written notification about debt didn't receive enough information to verify debt

November 29, 2018 - This company has reported on my credit an amount $470.00 without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed ...

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Capital Accounts, LLC Debt collection attempts to collect debt not owed debt is not yours

November 29, 2018 - My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with -...

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