Debt Collection Review

Review and analysis of 89,963 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

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

July 13, 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...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

July 3, 2019 - Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for $320.00 and it does not belong to me....

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Ability Recovery Services, LLC Debt collection false statements or representation attempted to collect wrong amount

June 21, 2019 - This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a...

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National Credit Services, Inc. Debt collection communication tactics you told them to stop contacting you, but they keep trying

June 6, 2019 - I had a missed call from National Credit Services at about - - on -/-/19. I returned the call and verified my date of birth but refused to give the last four of my social security number. I asked the rep who they represented and she kept giving me her company 's name. I asked for a supervisor the rep asked me to hold and then came back onto the line to ask me to continue holding. I advised...

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

April 19, 2019 - - - - - opened on -/-/2018 - balance $200.00 - - - - opened -/-/2018 - balance $100.00 I don't have a contract/agreement with the agencies above. I request for this to be removed from my credit agencies ( -, - and - )....

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

April 19, 2019 - I keep getting phone calls from a - - - - -, when I answer I get a recorded message they are not taking messages now, this is constant every day or so. I tried to look up this company 's contact information, all they give is the phone number they never answer. - - -. I - this company and the complaints are endless....

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Merchants' Credit Guide Company Debt collection attempts to collect debt not owed debt is not yours

April 18, 2019 - I requested a valid debt validation letter several times. i was written by mail and notified if they couldnt receive info in a timely manner the account will be closed and returned to original creditor...

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Security Credit Services, LLC Debt collection written notification about debt notification didn't disclose it was an attempt to collect a debt

April 17, 2019 - Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap....

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Convergent Resources, Inc. Debt collection communication tactics frequent or repeated calls

April 16, 2019 - i have been receiving calls from several numbers - - - - Caller ID state " Convergent '' nothing else since the beginning of -, they call about 5 time or more a day from different numbers and leave no message. I spoke with them in the past about this issue about a year ago and they stopped. They stopped because i threaten to file a lawsuit against they because they stated i owe them...

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SYNCHRONY FINANCIAL Debt collection communication tactics frequent or repeated calls

April 12, 2019 - I have been getting calls from synchrony Bank from -/-/2018 until -. They call me at least 5 to 6 times a day and before -. I have answered and told them many many times on many occasions that the person they are calling for does not own this number and to stop calling me. They have refused to stop and continue to call before - and all throughout the day....

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

April 12, 2019 - This Company, - - at - has literally called my Phone Number hundreds of Times over the past year, 5 times just in past few days. They just recently asked per recorded message if I was a person I have never heard of & asked me to push a Number on my Phone, I did, indicating I am not that Person. This Company continues to leave Robo Calls. I owe no Debt!!!!! They need to Stop Immediately!!!...

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Ability Recovery Services, LLC Debt collection attempts to collect debt not owed debt is not yours

April 3, 2019 - ABILITY RECOVERY SERVI - I asked them to validate the debt. They told me they can not, they do not have my signature, and there is no contractual agreement for me to pay. And they want to get paid....

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

April 1, 2019 - I have Fraud Alert on all 3 credit bureau. On - - 2019 I received an emil that 2 collection accounts were added by - - - ( - ). I contacted - several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report...

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JH Portfolio Debt Equities, LLC Debt collection written notification about debt didn't receive notice of right to dispute

March 31, 2019 - In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 2. This consumer is unsure of whether or not your company can show that it has complied with the notice require...

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Ability Recovery Services, LLC Debt collection attempts to collect debt not owed debt is not yours

March 30, 2019 - I do not have a signed contract nor any contract with Ability Recovery Services , LLC. I have never done business with this company. I am not liable for collection from this debt from - -. I am not responsible for this debt with Ability Recovery Services , LLC. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and reco...

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Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

March 28, 2019 - I have asked for validation from this account on my credit report and Medical Data System did not follow the FDCPA laws. Medical Data System is a third party company and need to follow the FDCPA laws not the FCRA laws. The FDCPA definition is : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting t...

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

March 25, 2019 - - VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED - DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM -. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON MY CREDIT RE...

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Ability Recovery Services, LLC Debt collection written notification about debt didn't receive notice of right to dispute

March 24, 2019 - -/-/2018 amount owed $350.00...

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

March 17, 2019 - My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of $2500.00 I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon ...

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Debt Recovery Solutions, LLC Debt collection attempts to collect debt not owed debt is not yours

March 16, 2019 - On Thursday, -/-/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for -. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted - account services, and they provided me with information on the alleged ag...

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CCS Financial Services, Inc. Debt collection written notification about debt notification didn't disclose it was an attempt to collect a debt

March 14, 2019 - See thru - - that - is showing a debt ( - doesnt have this on their report ) from a company called - - - for - in the amount of $640.00. I have disputed this on -/-/-, -/-/- and -/-/- as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing ne...

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

March 7, 2019 - About six months ago I started getting robo-calls about debt I owed from the company called Harris and Harris. The robo-calls come in regularly now and I have no idea why they continue to do so. These calls are becoming harassing, I do not have any debt or owe anyone money, and I want these calls to stop. The most recent call came in on -/-/19 at - -....

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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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