Which Debt Collectors Draw the Most CFPB Complaints About Lawsuits
Original analysis of 788,221 records from the CFPB, 2018–2025. Published October 20, 2026.
We counted 7,813 published CFPB debt collection complaints from 2024 and 2025 about being sued, threatened with suit on old debt, or told not to respond to a lawsuit, and ranked every company named.
What the CFPB complaint records show
Encore Capital Group, the parent of Midland Credit Management, was named in 1,034 of the 7,813 CFPB debt collection complaints about lawsuits received in 2024 and 2025 (13.2%), more than any of the 959 companies named. Resurgent Capital Services, which manages LVNV Funding accounts, followed with 594 and Portfolio Recovery Associates with 512. The counts are complaints filed by consumers, not court filings, and are not adjusted for the number of accounts each company collects.
- 1,034Encore (Midland) lawsuit complaints, 2024–2025
- 27%Share for the top three companies, 2024–2025
- 7.81KCFPB debt lawsuit complaints, 2024–2025
Encore Capital Group leads the ranking
Complaints naming Encore Capital Group (Midland) numbered 1,034, 1.7× as many as second-ranked Resurgent Capital Services (594). Encore led in both years, with 389 complaints in 2024 and 645 in 2025.
Three companies account for over a quarter
Encore, Resurgent and Portfolio Recovery Associates together drew 2,140 lawsuit complaints, 27.4% of the total, while accounting for 14.8% of all debt collection complaints. The ten most-named companies account for 42.2%.
Card issuers appear alongside collectors
Capital One Financial (203), Citibank (189) and Synchrony Financial (160) rank among the ten companies named most often, because consumers can file a debt collection complaint against the original creditor as well as a collection agency.
Old debt and missing notice dominate
Threats to sue on very old debt made up 48.8% of lawsuit complaints and being sued without proper notice 38.5%. Complaints about being sued without notice rose from 474 in 2018 to 1,861 in 2025.
Collection law firms show high shares
For some collection law firms, lawsuits make up a far larger part of their complaints than for the industry: 27.0% of the debt collection complaints naming Blitt and Gaines and 30.5% of those naming Gurstel Law Firm were about lawsuits, against 1.8% across all companies.
Which Debt Collectors Get the Most Complaints About Lawsuits
The ranking counts every published CFPB debt collection complaint received in 2024 or 2025 under one of four lawsuit-related sub-issues, by the company the complaint is about.
Encore Capital Group (Midland) was named in 1,034 complaints, Resurgent Capital Services (LVNV) in 594, Portfolio Recovery Associates in 512 and CL Holdings LLC in 242. In all, 959 companies were named at least once.
Companies appear under the name the CFPB assigns, usually the parent company. Encore Capital Group says it operates in the United States through Midland Credit Management and its domestic affiliates; LVNV Funding says it outsources the management of its accounts to Resurgent Capital Services. Complaints about the brands therefore appear under the parent or servicer name.
Encore's complaints were mostly about threats to sue on very old debt (602) and being sued without proper notice (345). Banks and card issuers such as Capital One Financial and Citibank also appear, because the CFPB's debt collection category covers creditors collecting their own debts as well as collection agencies and debt buyers. Complaint counts are not adjusted for the number of accounts a company collects; a large debt buyer can draw more complaints because it holds more accounts.
CFPB debt collection complaints about lawsuits by company, 2024–2025
| Company | Complaints | No notice | Old debt |
|---|---|---|---|
| Encore Capital Group (Midland) | 1,034 | 345 | 602 |
| Resurgent Capital Services (LVNV) | 594 | 217 | 282 |
| Portfolio Recovery Associates | 512 | 226 | 232 |
| CL Holdings LLC | 242 | 66 | 146 |
| Capital One Financial | 203 | 71 | 107 |
| Citibank, N.A. | 189 | 82 | 95 |
| Synchrony Financial | 160 | 80 | 71 |
| Discover Bank | 133 | 59 | 57 |
| Velocity Portfolio Group | 130 | 79 | 33 |
| JPMorgan Chase & Co. | 98 | 38 | 50 |
| Bank of America, N.A. | 83 | 28 | 42 |
| Bread Financial | 77 | 25 | 47 |
| Cavalry Investments | 74 | 38 | 29 |
| Law Office of Michael J. Scott | 70 | 33 | 28 |
| Crown Asset Management | 65 | 52 | 11 |
Top companies in the ranking
| Company | Complaints | No notice | Old debt |
|---|---|---|---|
| American Express | 64 | 39 | 18 |
| Acima Credit | 58 | 16 | 42 |
| Gurstel Law Firm | 58 | 33 | 21 |
| Blitt and Gaines | 57 | 39 | 9 |
| Zwicker & Associates | 54 | 33 | 11 |
| Credit Acceptance | 53 | 21 | 23 |
| HSBC North America | 53 | 3 | 50 |
| Mandarich Law Group | 52 | 18 | 23 |
| Wells Fargo & Company | 52 | 22 | 27 |
| Navy Federal Credit Union | 50 | 22 | 20 |
| Absolute Resolutions | 48 | 31 | 11 |
| Experian Information Solutions Inc. | 46 | 6 | 26 |
| Credit Corp Solutions | 42 | 9 | 31 |
| Pressler & Pressler, LLP | 42 | 24 | 17 |
| Rausch Sturm LLP | 41 | 28 | 9 |
| CCF Intermediate Holdings LLC | 40 | 4 | 31 |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 40 | 11 | 17 |
| EQUIFAX, INC. | 37 | 11 | 16 |
| Lloyd & McDaniel, PLC | 37 | 17 | 17 |
| Rubin & Rothman, LLC | 37 | 24 | 8 |
| TRANSWORLD SYSTEMS INC | 37 | 9 | 23 |
| Weltman, Weinberg & Reis Co., L.P.A. | 35 | 22 | 8 |
| Hunt & Henriques | 33 | 13 | 17 |
| National Credit Systems,Inc. | 33 | 11 | 12 |
| Stenger & Stenger, P.C | 33 | 17 | 8 |
| Spring Oaks Capital, LLC | 32 | 14 | 13 |
| Kohn Law Firm S.C. | 31 | 10 | 17 |
| BARCLAYS BANK DELAWARE | 30 | 17 | 8 |
| Javitch, Block & Rathbone LLC | 30 | 20 | 6 |
| OneMain Finance Corporation | 28 | 11 | 12 |
| Messerli & Kramer P.A. | 27 | 15 | 11 |
| Patenaude & Felix A Professional Corporation | 27 | 16 | 5 |
| TD Bank US Holding | 27 | 15 | 12 |
| Suttell, Hammer & White, P.S | 25 | 12 | 11 |
| Tenaglia & Hunt, PA | 25 | 20 | 2 |
| Glasser and Glasser, PLC | 23 | 18 | 3 |
| Halsted Financial Services, LLC. | 23 | 1 | 18 |
| Future Judgement Solutions | 22 | 1 | 21 |
| NCB Management Services Inc. | 22 | 7 | 12 |
| Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | 22 | 3 | 13 |
| U.S. BANCORP | 22 | 2 | 17 |
| CCS Financial Services, Inc. | 21 | 2 | 15 |
| The Moore Law Group | 21 | 13 | 5 |
| CLGF Holdco 1, LLC | 20 | 4 | 16 |
| Johnson Mark P.C. | 20 | 10 | 9 |
| SANTANDER HOLDINGS USA, INC. | 20 | 8 | 10 |
| CNG FINANCIAL CORPORATION | 19 | 3 | 15 |
| UPGRADE, INC. | 19 | 6 | 9 |
| Upstart Holdings, Inc. | 19 | 9 | 5 |
| HW Holding, Inc | 18 | 4 | 8 |
| Kriya Capital, LLC | 18 | 2 | 10 |
| Security Credit Services, LLC | 18 | 9 | 5 |
| National Credit Adjusters, LLC | 17 | 1 | 14 |
| T.S. Holdings | 17 | 6 | 2 |
| Westlake Services, LLC | 17 | 6 | 7 |
| CNG HOLDINGS INC | 16 | 2 | 14 |
| Klima, Peters & Daly, P.A. | 16 | 10 | 2 |
| Nationwide Capital Services, LLC | 16 | 3 | 11 |
| Brock & Scott, PLLC | 14 | 9 | 3 |
| Love, Beal & Nixon, P.C. | 14 | 4 | 9 |
| Pollack & Rosen, P.A. | 14 | 5 | 7 |
| Diverse Funding Associates LLC | 13 | 5 | 7 |
| ENOVA INTERNATIONAL, INC. | 13 | 2 | 8 |
| Harris & Harris, Ltd. | 13 | 3 | 9 |
| Levy & Associates, LLC | 13 | 7 | 2 |
| Lyons, Doughty & Veldhuis, PC | 13 | 7 | 4 |
| RAS LaVrar, LLC | 13 | 7 | 5 |
| Shellpoint Partners, LLC | 13 | 4 | 8 |
| W&A Intermediate Co., LLC | 13 | 2 | 5 |
| CAINE & WEINER COMPANY, INC. | 12 | 3 | 6 |
| FORD MOTOR CREDIT CO. | 12 | 4 | 8 |
| Nathan & Nathan, P.C. | 12 | 5 | 4 |
| Law Offices of Hayt, Hayt & Landau, LLC | 11 | 9 | 1 |
| Malen & Associates, p.c. | 11 | 7 | 3 |
| PENTAGON FEDERAL CREDIT UNION | 11 | 3 | 5 |
| Radius Global Solutions LLC | 11 | 2 | 8 |
| Selip & Stylianou, LLP | 11 | 9 | 1 |
| Unifin Inc. | 11 | 0 | 10 |
| Abrahamsen Gindin LLC | 10 | 6 | 3 |
| Aldridge PIte Haan, LLP | 10 | 8 | 2 |
| Amsher Collection Services, Inc. | 10 | 3 | 4 |
| Andreu, Palma & Andreu, PL | 10 | 8 | 2 |
| GMA Investments, LLC | 10 | 3 | 7 |
| I.C. System, Inc. | 10 | 1 | 6 |
| Moss Law Firm, P.C. | 10 | 9 | 1 |
| Quest Legal Group | 10 | 0 | 10 |
| Reel Time Capital LLC | 10 | 6 | 4 |
| UHG, LLC | 10 | 7 | 3 |
| Collection Attorneys USA LLC | 9 | 4 | 5 |
| Collins Asset Group, LLC | 9 | 4 | 5 |
| Credit Control, LLC | 9 | 0 | 8 |
| DLF Law Group, LLC | 9 | 3 | 3 |
| Eaton Group Attorneys LLC | 9 | 7 | 1 |
| General Motors Financial Company, Inc. | 9 | 1 | 8 |
| Hayt Hayt & Landau, P.L. (FL) | 9 | 6 | 1 |
| LendingPoint Holdings LLC | 9 | 3 | 6 |
| OLIPHANT FINANCIAL, LLC | 9 | 4 | 5 |
| SG and Associates | 9 | 1 | 7 |
| Southwest Credit Systems, L.P. | 9 | 2 | 6 |
| Credit Card Receivables Fund Incorporated | 8 | 2 | 5 |
| Express Recovery Services, Inc. | 8 | 6 | 1 |
| FIFTH THIRD FINANCIAL CORPORATION | 8 | 0 | 8 |
| FIRST PORTFOLIO SERVICING INC | 8 | 1 | 5 |
| Gordon, Aylworth & Tami, P.C. | 8 | 7 | 1 |
| MARINER FINANCE, LLC | 8 | 3 | 3 |
| Michael J Adams PC | 8 | 6 | 0 |
| Populus Financial Group, Inc. (F/K/A Ace Cash Express) | 8 | 1 | 7 |
| RFNA, LP | 8 | 6 | 1 |
| River Heights Capital LLC | 8 | 8 | 0 |
| Tromberg, Miller, Morris & Partners, PLLC | 8 | 4 | 3 |
| TrueAccord Corp. | 8 | 1 | 6 |
| Weber & Olcese, PLC | 8 | 4 | 2 |
| 1st Franklin Financial Corporation | 7 | 4 | 2 |
| Atlantic Recovery Solutions LLC | 7 | 2 | 5 |
| BC SERVICES, INC. | 7 | 2 | 5 |
| Bonneville Billing and Collections | 7 | 4 | 2 |
| FAIR COLLECTIONS & OUTSOURCING, INC. | 7 | 1 | 2 |
| Galaxy Capital Acquisitions, LLC | 7 | 2 | 4 |
| Green Square Company LLC. | 7 | 0 | 6 |
| Independence Capital Recovery, LLC | 7 | 2 | 4 |
| Kimball, Tirey & St. John LLP | 7 | 0 | 3 |
| Lendmark Financial Services | 7 | 3 | 4 |
| Mid-South Adjustment Co., Inc. | 7 | 4 | 3 |
| NRA Group, LLC | 7 | 1 | 5 |
| Nelson and Kennard, LLP | 7 | 5 | 2 |
| PNC Bank N.A. | 7 | 5 | 0 |
| Paypal Holdings, Inc | 7 | 2 | 5 |
| Ragan & Ragan, PC | 7 | 1 | 5 |
| Receivables Management Partners, LLC | 7 | 2 | 4 |
| Stillman, P.C. d.b.a. Stillman Law Office | 7 | 6 | 1 |
| Tower Loan of Mississippi, Inc. | 7 | 4 | 2 |
| V and H Portfolio | 7 | 1 | 5 |
| Wilber and Associates, P.C. | 7 | 4 | 2 |
| 2288984 Ontario Inc. | 6 | 1 | 5 |
| ALLY FINANCIAL INC. | 6 | 2 | 3 |
| Butler and Associates, PA | 6 | 4 | 2 |
| CITIZENS FINANCIAL GROUP, INC. | 6 | 3 | 1 |
| Carmichael & Frost LLC | 6 | 1 | 5 |
| Consumer Portfolio Services, Inc. | 6 | 2 | 2 |
| Couch Lambert LLC | 6 | 4 | 2 |
| D&A Services, LLC | 6 | 0 | 6 |
| Exeter Finance, LLC. | 6 | 1 | 4 |
| FIRST NATIONAL BANK OF OMAHA | 6 | 1 | 5 |
| Faloni Law Group | 6 | 4 | 2 |
| Guglielmo and Associates | 6 | 2 | 3 |
| Harpeth Financial Services, LLC | 6 | 4 | 2 |
| Kirschenbaum & Phillips P.C | 6 | 4 | 2 |
| Larry H. Miller Group of Companies | 6 | 2 | 3 |
| Marcadis Singer PA | 6 | 2 | 2 |
| Monterey Financial Services LLC | 6 | 2 | 3 |
| NATIONAL DEBT RELIEF LLC | 6 | 0 | 4 |
| P&B Capital Group, LLC | 6 | 0 | 6 |
| ProCollect, Inc. | 6 | 2 | 1 |
| Ragan & Ragan, P.C. | 6 | 2 | 4 |
| Ray Klein, Inc. | 6 | 2 | 3 |
| Red Target LLC | 6 | 1 | 4 |
| Resurgence Legal Group, PC | 6 | 2 | 3 |
| Rosebud Economic Development Corporation | 6 | 1 | 3 |
| SUNRISE CREDIT SERVICES, INC | 6 | 1 | 4 |
| Silverman Theologou, LLP | 6 | 4 | 1 |
| ASTA FUNDING INC. | 5 | 1 | 1 |
| Ability Recovery Services, LLC | 5 | 0 | 3 |
| Allen & Withrow | 5 | 2 | 2 |
| American Recovery Service Incorporated | 5 | 2 | 2 |
| Atlanticus Services Corporation | 5 | 0 | 3 |
| Autovest, L.L.C. | 5 | 1 | 2 |
| BTH Management | 5 | 1 | 3 |
| Client Services, Inc. | 5 | 0 | 4 |
| Cohen & Cohen Law, LLC | 5 | 3 | 2 |
| Conn's, Inc. | 5 | 1 | 4 |
| Continental Finance Company, LLC | 5 | 0 | 5 |
| Credit Card Acquisitions Group | 5 | 0 | 5 |
| Debt Collectors International, Inc. | 5 | 0 | 5 |
| Essential Lending Inc | 5 | 0 | 5 |
| Financial Management Solutions, LLC | 5 | 4 | 0 |
| GOLDMAN SACHS BANK USA | 5 | 2 | 3 |
| Greenwood and Allen Financial | 5 | 0 | 5 |
| InDebted Corporation | 5 | 0 | 4 |
| Linebarger Goggan Blair & Sampson LLP | 5 | 1 | 0 |
| Melar Investments, LLC | 5 | 4 | 1 |
| Mr. Cooper Group Inc. | 5 | 2 | 2 |
| OPORTUN FINANCIAL CORPORATION | 5 | 3 | 1 |
| Phillips & Cohen Associates, Ltd. | 5 | 2 | 3 |
| Professional Finance Company, Inc. | 5 | 3 | 2 |
| Protas, Spivok & Collins. LLC | 5 | 4 | 0 |
| Regional Management Corporation | 5 | 1 | 3 |
| Rent Recovery Solutions | 5 | 0 | 2 |
| RentDebt Automated Collections, LLC | 5 | 2 | 1 |
| Roosen, Varchetti & Olivier, PLLC | 5 | 3 | 1 |
| Rosenberg & Associates Recovery Services | 5 | 0 | 4 |
| Schreiber Law LLC | 5 | 1 | 3 |
| Self Financial Inc. | 5 | 0 | 3 |
| Shepherd Outsourcing, LLC | 5 | 1 | 4 |
| Strauss Factor Laing & Lyons | 5 | 1 | 3 |
| The CBE Group, Inc. | 5 | 1 | 3 |
| The Law Offices of Kenosian & Miele, LLP | 5 | 3 | 1 |
| Tsarouhis Law Group, LLC | 5 | 5 | 0 |
| VELO LAW OFFICE | 5 | 2 | 1 |
| Williams, Rush & Associates, LLC | 5 | 0 | 5 |
| World Acceptance Corporation | 5 | 3 | 2 |
| AAA Collections | 4 | 2 | 2 |
| Abbott Osborn Jacobs PLC | 4 | 2 | 1 |
| Alliance One, Inc. | 4 | 1 | 2 |
| AmeriCash Holding LLC | 4 | 3 | 1 |
| American Credit Acceptance, LLC | 4 | 1 | 3 |
| Americas Car-Mart, Inc. | 4 | 1 | 2 |
| Andrews & Cox, P.C. | 4 | 4 | 0 |
| Ballybunion Enterprises, Inc | 4 | 2 | 2 |
| Bounce AI, Inc. | 4 | 2 | 2 |
| Bridgecrest Acceptance Corporation | 4 | 1 | 3 |
| Bull City Financial Solutions, Inc | 4 | 2 | 2 |
| Collection Management Holdings, LLC | 4 | 0 | 3 |
| Collection Professionals, Inc. | 4 | 3 | 1 |
| Collection at Law, Inc. A.P.C. | 4 | 3 | 0 |
| Consuegra & Duffy, P.L.L.C. | 4 | 3 | 1 |
| EdFinancial Services | 4 | 0 | 3 |
| FlexShopper, Inc | 4 | 0 | 4 |
| Forster & Garbus LLP | 4 | 1 | 2 |
| GFS II, LLC | 4 | 3 | 1 |
| Global Processing Services, LLC | 4 | 0 | 4 |
| Huntington Debt Holding LLC | 4 | 0 | 4 |
| Kramer & Frank, P.C. | 4 | 3 | 1 |
| Lela Mae Portfolio Management Group | 4 | 0 | 4 |
| Lewis, McDonnell & Associates | 4 | 0 | 3 |
| Lockhart, Morris & Montgomery Inc. | 4 | 0 | 3 |
| Marlette Funding, LLC | 4 | 1 | 3 |
| Medical Recovery Services, LLC | 4 | 2 | 2 |
| N.A.R., Inc. | 4 | 2 | 1 |
| NPG Associates, Inc. | 4 | 0 | 3 |
| National Commercial Services, Inc | 4 | 0 | 4 |
| National Enterprise Systems, Inc. | 4 | 0 | 3 |
| Navient Solutions, LLC. | 4 | 1 | 1 |
| Northwestern Mediation Services | 4 | 1 | 3 |
| Oliphant United, Inc. | 4 | 2 | 1 |
| Omni AR, LLC | 4 | 3 | 0 |
| P.S.C., Inc | 4 | 2 | 1 |
| Prime Recovery LLC | 4 | 0 | 4 |
| Quall Cardot LLP | 4 | 0 | 3 |
| Ratchford Law Group, P.C. | 4 | 3 | 0 |
| Rodenburg LLP | 4 | 4 | 0 |
| SOFI TECHNOLOGIES, INC. | 4 | 2 | 0 |
| Schrier, Tolin and Wagman, LLC | 4 | 2 | 2 |
| Sher & Shabsin PC | 4 | 2 | 1 |
| Strategic Alliances, Inc. | 4 | 2 | 2 |
| TESORO FINANCIAL, LLC | 4 | 4 | 0 |
| TRUIST FINANCIAL CORPORATION | 4 | 2 | 2 |
| TekCollect Inc. | 4 | 0 | 4 |
| U.S. Collections West, Inc. | 4 | 1 | 3 |
| Zarzaur and Schwartz, PC | 4 | 4 | 0 |
| Zions Debt Holdings | 4 | 0 | 4 |
| AUSSRQ Holdings, LLC | 3 | 0 | 3 |
| Accredited Collection Service, Inc. | 3 | 2 | 1 |
| Affirm Holdings, Inc | 3 | 0 | 1 |
| Aldous & Associates, PLLC | 3 | 0 | 3 |
| Asset Recovery Solutions, LLC | 3 | 0 | 3 |
| Assured Financial Partners | 3 | 0 | 2 |
| Axiom Acquisition Ventures, LLC | 3 | 2 | 0 |
| BANKERS HEALTHCARE GROUP LLC | 3 | 2 | 1 |
| Bizcorp, LLC | 3 | 0 | 2 |
| Bliksum, LLC | 3 | 1 | 2 |
| Buckles & Buckles, P.L.C. | 3 | 2 | 0 |
| CASHCALL, INC. | 3 | 1 | 2 |
| CREDICO. INC | 3 | 1 | 1 |
| Caddis Funding, LLC | 3 | 1 | 2 |
| Capio Partners, LLC | 3 | 0 | 3 |
| Capital Asset Recovery INC DBA Jacobson and Wright | 3 | 2 | 1 |
| CarMax, Inc. | 3 | 1 | 2 |
| Clark County Collection Service | 3 | 3 | 0 |
| Cohn, Goldberg & Deutsch,LLC | 3 | 3 | 0 |
| Commonwealth Health Corporation | 3 | 3 | 0 |
| Compass Recovery Group, LLC | 3 | 0 | 3 |
| Convergence Acquisitions, LLC | 3 | 0 | 3 |
| Credit Fresh Holdings Inc | 3 | 0 | 3 |
| Credit International Corporation | 3 | 0 | 2 |
| DCI Credit Services, Inc. | 3 | 1 | 1 |
| DRB-40, LLC | 3 | 1 | 2 |
| Data Search NY, Inc. | 3 | 1 | 2 |
| Deatrick & Spies PSC | 3 | 3 | 0 |
| EGL US, LLC | 3 | 1 | 2 |
| FIRST CITIZENS BANCSHARES, INC. | 3 | 1 | 2 |
| Fein, Such, Kahn & Shepard, P.C. | 3 | 0 | 2 |
| Fundo LLC | 3 | 1 | 0 |
| Global Trust Management LLC | 3 | 1 | 2 |
| Goodman Frost, PLLC | 3 | 0 | 2 |
| Greenberg, Grant & Richards Inc. | 3 | 0 | 3 |
| Hollins & McVay, P.A. | 3 | 3 | 0 |
| Ingenuity RM, LLC | 3 | 1 | 0 |
| JTM Capital Management, LLC | 3 | 0 | 3 |
| Jacob Law Group, PLLC | 3 | 2 | 1 |
| Jenkins, Wagnon & Young, P.C. | 3 | 2 | 1 |
| John C. Heath, Attorney at Law, PLLC | 3 | 1 | 1 |
| Knight & Hooper, PLLC | 3 | 2 | 1 |
| LOBEL FINANCIAL CORPORATION | 3 | 2 | 1 |
| LRS Mediations Group | 3 | 0 | 3 |
| Law Offices of Robert J. Colclough, III | 3 | 2 | 1 |
| Law Offices of Timothy M. Sullivan | 3 | 0 | 2 |
| London & London | 3 | 1 | 0 |
| Lotane & Associates, P.A. | 3 | 0 | 3 |
| MRS BPO, LLC | 3 | 1 | 1 |
| MacDowell & Associates, Ltd. | 3 | 2 | 1 |
| Markoff Law LLC | 3 | 1 | 1 |
| Maximus Federal Services, Inc. | 3 | 0 | 2 |
| Meade Recovery Services, LLC | 3 | 2 | 1 |
| Mendelson Law Firm | 3 | 1 | 2 |
| Metro Collection Service Inc. | 3 | 1 | 1 |
| Mountain Land Collections, Inc. | 3 | 2 | 1 |
| Mullooly Jeffrey Rooney & Flynn | 3 | 2 | 1 |
| Newman, Hesse & Associates, P. A. | 3 | 1 | 2 |
| Ningo Lending LLC dba Spotloan | 3 | 0 | 2 |
| Oklahoma Motor Credit Company | 3 | 0 | 0 |
| Opportunity Financial, LLC | 3 | 1 | 1 |
| Orions Management Group, LLC | 3 | 0 | 3 |
| Persolve, LLC - Legal - Series 2 | 3 | 1 | 2 |
| Phoenix Financial Services LLC | 3 | 0 | 3 |
| Prosper Marketplace, Inc. | 3 | 2 | 1 |
| Rauch-Milliken International, Inc. | 3 | 0 | 3 |
| Real Time Group, Inc. | 3 | 1 | 2 |
| Recovery Solutions Group, LLC | 3 | 2 | 0 |
| Robinson & Hoover | 3 | 0 | 0 |
| Rubin & Debski, P.A. | 3 | 0 | 3 |
| SELECT PORTFOLIO SERVICING, INC. | 3 | 2 | 0 |
| Samuel Whitaker & Associates LLC | 3 | 0 | 3 |
| Sequium Asset Solutions, LLC | 3 | 0 | 0 |
| Shermeta Law Group, PLLC | 3 | 1 | 0 |
| Sklar Law LLC | 3 | 2 | 0 |
| Smith Debnam Narron Drake Saintsing & Myers LLP | 3 | 1 | 2 |
| Southern Oregon Credit Service, Inc. | 3 | 1 | 2 |
| Sprechman & Associates, P.A. | 3 | 0 | 3 |
| Steel River Systems, LLC | 3 | 1 | 1 |
| Surf Consultants, Inc. | 3 | 2 | 1 |
| TOYOTA MOTOR CREDIT CORPORATION | 3 | 2 | 1 |
| TRINITY HOPE ASSOCIATES | 3 | 0 | 3 |
| The Law Offices of Jennifer McCoy, PC | 3 | 2 | 0 |
| The Leviton Law Firm, Ltd. | 3 | 0 | 3 |
| Tiffany & Tiffany PLLC | 3 | 2 | 0 |
| Torriere Holdings INC | 3 | 0 | 2 |
| Troy Capital, LLC | 3 | 2 | 1 |
| Unified Global Solutions LLC | 3 | 0 | 3 |
| United PanAm Financial Corp. | 3 | 2 | 1 |
| Upstate Remedial Management Inc | 3 | 1 | 2 |
| VYSTAR CREDIT UNION | 3 | 0 | 3 |
| Waddell Serafino Geary Rechner Jenevein, PC | 3 | 1 | 2 |
| Yamaha Motor Finance Corporation USA | 3 | 1 | 0 |
| AFNI INC. | 2 | 0 | 2 |
| AUTOMOTIVE CREDIT CORPORATION | 2 | 0 | 1 |
| Accounts Management, Inc | 2 | 0 | 1 |
| Accscient, LLC | 2 | 1 | 0 |
| Advanced Recovery Systems, Inc. | 2 | 1 | 1 |
| Allied Collection Services, Inc. (Nevada) | 2 | 0 | 1 |
| Allied Consulting Services LLC | 2 | 0 | 2 |
| Alorica Inc. | 2 | 0 | 2 |
| Alpine Credit, Inc | 2 | 0 | 2 |
| AmeriCollect | 2 | 0 | 0 |
| Ameritan Group Services | 2 | 0 | 2 |
| Apothaker & Associates, PC | 2 | 0 | 2 |
| Arena Investors, LP | 2 | 1 | 1 |
| Army and Air Force Exchange Service | 2 | 1 | 1 |
| Associated Credit Services, Inc. | 2 | 1 | 0 |
| Avant Holding Company, Inc. | 2 | 0 | 2 |
| BCG Equities, LLC | 2 | 2 | 0 |
| BMO BANK NATIONAL ASSOCIATION | 2 | 0 | 2 |
| Berlin-Wheeler, Inc. (Kansas) | 2 | 0 | 1 |
| Bessine Walterbach, LLP | 2 | 2 | 0 |
| Braviant Holdings, LLC | 2 | 0 | 2 |
| Buffaloe & Associates, PLC | 2 | 1 | 1 |
| CFS ACCEPTANCE | 2 | 0 | 2 |
| CHOICE CAPITAL FUND | 2 | 0 | 2 |
| CSO Financial | 2 | 1 | 1 |
| California Business Bureau, Inc. | 2 | 2 | 0 |
| Capital Collection Management LLC | 2 | 0 | 1 |
| Cascade Capital, LLC | 2 | 1 | 1 |
| Cash Express, LLC | 2 | 0 | 2 |
| Cash Link USA, LLC | 2 | 2 | 0 |
| Cawley & Bergmann, LLP | 2 | 0 | 1 |
| Central Portfolio Control Inc. | 2 | 1 | 1 |
| Centron Services | 2 | 0 | 2 |
| Cheadle Law Firm | 2 | 0 | 1 |
| Coinbase, Inc. | 2 | 1 | 1 |
| Collection Professionals, Inc. (Macomb, IL) | 2 | 1 | 1 |
| Consumer Adjustment Company Incorporated | 2 | 0 | 1 |
| Continental Services Group, Inc. d/b/a ConServe | 2 | 0 | 1 |
| Cornerstone Holdings, Inc. | 2 | 2 | 0 |
| Credit Management Services, Inc. | 2 | 2 | 0 |
| Credit Systems International, Inc. | 2 | 0 | 2 |
| Diversified Adjustment Service, Inc. | 2 | 1 | 0 |
| Dynamic Collectors, Incorporated | 2 | 1 | 1 |
| Everest Receivable Services Inc. | 2 | 0 | 2 |
| Evergreen Financial Services Inc. | 2 | 1 | 1 |
| Fendelman & Associates, LLC | 2 | 2 | 0 |
| Fidelity Properties Inc. | 2 | 1 | 1 |
| FinanceCo of Kansas, Inc | 2 | 0 | 1 |
| FirstPoint Collection Resources | 2 | 0 | 1 |
| Fradkin & Weber PA | 2 | 0 | 2 |
| GCFS, INC. | 2 | 1 | 1 |
| GLOBAL SOLUTION BIZ LLC. | 2 | 0 | 2 |
| GREENSTATE CREDIT UNION | 2 | 0 | 2 |
| General Recovery Services of WV, Inc. | 2 | 0 | 2 |
| Genesys National Recovery, Inc. | 2 | 0 | 0 |
| Global Credit & Collection Corporation | 2 | 1 | 1 |
| Global Lending Services LLC | 2 | 0 | 2 |
| HUNTINGTON NATIONAL BANK, THE | 2 | 0 | 2 |
| Hall & Ludlam, PLLC | 2 | 0 | 2 |
| Harvard Collections, LLC | 2 | 0 | 2 |
| Hillcrest Davidson & Associates | 2 | 0 | 2 |
| INTERNAL CREDIT SYSTEMS, INC | 2 | 0 | 2 |
| Innovative Strategic Solutions | 2 | 0 | 0 |
| Integras Capital Recovery LLC | 2 | 1 | 1 |
| J J Marshall & Associates, Inc | 2 | 0 | 1 |
| KLS Financial Services, Inc | 2 | 1 | 1 |
| Kehoe Financial Group, LLC | 2 | 0 | 1 |
| Keith D. Weiner & Associates Co., L.P.A. | 2 | 1 | 1 |
| Kenneth E. Davidson, Attorney | 2 | 1 | 1 |
| Knight Adjustment Bureau | 2 | 2 | 0 |
| LCS FINANCIAL SERVICES CORPORATION | 2 | 1 | 1 |
| Larsen & Associates, P.L. | 2 | 1 | 1 |
| Law Office of James R. Vaughan, P.C. | 2 | 1 | 1 |
| Leachman Law, P.C. | 2 | 0 | 2 |
| LoanCare, LLC | 2 | 1 | 1 |
| Local Data Recovery, LLC | 2 | 0 | 2 |
| M. G. Credit, Inc. | 2 | 0 | 1 |
| M. Richard Epps, P.C. | 2 | 2 | 0 |
| M.A.R.S., Inc. | 2 | 0 | 1 |
| MS SERVICES LLC | 2 | 0 | 1 |
| McNeil & Meyers Asset Management Group, LLC | 2 | 0 | 2 |
| Med-1 Solutions, LLC | 2 | 1 | 0 |
| Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates | 2 | 1 | 1 |
| Merchants Acceptance Corp | 2 | 0 | 2 |
| Michael Harrison, Attorney at Law | 2 | 2 | 0 |
| Millco Management | 2 | 0 | 0 |
| NAM National Arbitration and Mediation | 2 | 0 | 1 |
| NISSAN MOTOR ACCEPTANCE COMPANY LLC | 2 | 0 | 2 |
| National Account Systems of Omaha, LLC | 2 | 2 | 0 |
| National Management Recovery Corp. (NMRC) | 2 | 1 | 1 |
| National Recovery Solutions, LLC | 2 | 0 | 2 |
| Neiman, Stone & McCormick , P.C. | 2 | 1 | 1 |
| Nelson Cruz & Associates LLC | 2 | 1 | 1 |
| Northstar Location Services, LLC | 2 | 0 | 1 |
| ONLINE Information Services, Inc. | 2 | 0 | 2 |
| Ocwen Financial Corporation | 2 | 0 | 1 |
| Optio Solutions, LLC | 2 | 0 | 1 |
| Overton, Russell, Doerr and Donovan, LLP | 2 | 2 | 0 |
| PCR Group | 2 | 0 | 2 |
| Pappas Hayden Westberg & Jackson PC | 2 | 1 | 1 |
| Parnell Law Group, LLC | 2 | 1 | 0 |
| Pharus Funding LLC | 2 | 1 | 1 |
| Property Receivables, Corp | 2 | 0 | 0 |
| QC HOLDINGS INC | 2 | 1 | 1 |
| REGIONS FINANCIAL CORPORATION | 2 | 0 | 2 |
| RS Clark and Associates, Inc. | 2 | 0 | 1 |
| Roycroft Management | 2 | 0 | 2 |
| SACOR FINANCIAL, INC | 2 | 1 | 1 |
| SLM CORPORATION | 2 | 1 | 1 |
| SMS Financial, LLC | 2 | 0 | 1 |
| Scheer, Green & Burke L.P.A. | 2 | 1 | 1 |
| Seattle Service Bureau, Inc | 2 | 0 | 2 |
| Sensible Auto Lending, LLC | 2 | 2 | 0 |
| Sir Finance Corp | 2 | 1 | 1 |
| Slovin & Council Co., L.P.A. | 2 | 0 | 1 |
| Solar Mosaic LLC | 2 | 1 | 1 |
| Southern Financial Systems, Inc. | 2 | 0 | 2 |
| Southern Management Systems Inc. | 2 | 0 | 0 |
| Southwood Financial, LLC. | 2 | 2 | 0 |
| Statebridge Company | 2 | 0 | 2 |
| Statewide Credit Services Corp. | 2 | 0 | 2 |
| Stein Law, P.C. | 2 | 1 | 1 |
| Stephen Einstein & Associates, P.C. | 2 | 2 | 0 |
| Stone Creek Financial, Inc | 2 | 0 | 2 |
| Stone Higgs & Drexler | 2 | 1 | 1 |
| Student Loan Solutions, LLC | 2 | 0 | 2 |
| Superior Holdings, LLC | 2 | 1 | 0 |
| TRUSTMARK CORPORATION | 2 | 1 | 1 |
| Tan Oak Financial | 2 | 0 | 2 |
| Tesla, Inc. | 2 | 0 | 2 |
| The J. G. Wentworth Company | 2 | 1 | 0 |
| The Law Office of Alan Pritchard, PLLC | 2 | 2 | 0 |
| The Law Offices of Frederic I. Weinberg & Associates, P.C. | 2 | 2 | 0 |
| The Nguyen Law Firm, PLC | 2 | 0 | 1 |
| The Sayer Law Group, P.C. | 2 | 2 | 0 |
| The Shindler Law Firm | 2 | 0 | 2 |
| Triton Recovery Group | 2 | 0 | 0 |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 2 | 1 | 1 |
| URS Holding, LLC | 2 | 0 | 2 |
| United Revenue Corporation | 2 | 0 | 2 |
| Valley Credit Service, Inc. (OR) | 2 | 1 | 1 |
| Vinci Law Office, LLC | 2 | 2 | 0 |
| WSFS FINANCIAL CORPORATION | 2 | 0 | 2 |
| Webcollex, LLC | 2 | 0 | 1 |
| Western Management Consultants | 2 | 0 | 2 |
| Western Mercantile Agency, Inc | 2 | 0 | 2 |
| Western-Shamrock Corporation | 2 | 0 | 2 |
| Williams & Fudge, Inc | 2 | 1 | 1 |
| Zachter PLLC | 2 | 1 | 0 |
| A & E Futures LLC | 1 | 0 | 1 |
| A-L FINANCIAL CORP | 1 | 0 | 1 |
| A.C.S. Companies, Inc. I | 1 | 0 | 1 |
| A.R.M. Solutions, Inc. | 1 | 1 | 0 |
| ABC Credit & Recovery Services Inc. | 1 | 0 | 1 |
| ACQ Holdings, LLC. | 1 | 1 | 0 |
| ADIR INTERNATIONAL LLC | 1 | 1 | 0 |
| ADP Inc. | 1 | 0 | 0 |
| ADVANCED DEBT COLLECTION, INC. | 1 | 0 | 1 |
| AES/PHEAA | 1 | 1 | 0 |
| ALCAR INC. | 1 | 0 | 1 |
| ALLIANT CREDIT UNION | 1 | 0 | 1 |
| APEX Asset Management, LLC | 1 | 0 | 1 |
| AR Resources, Inc. | 1 | 0 | 1 |
| ARM Professional Services LLC | 1 | 0 | 1 |
| ARS National Services, Inc. | 1 | 0 | 1 |
| ARVEST BANK GROUP, INC. | 1 | 0 | 1 |
| AUTO CREDIT USA | 1 | 0 | 1 |
| AUTO FINANCE USA, LLC | 1 | 1 | 0 |
| AVANTE | 1 | 1 | 0 |
| Access Credit Management, Inc. | 1 | 0 | 1 |
| Account Information Management Corporation | 1 | 0 | 1 |
| Account Managers, Inc. | 1 | 1 | 0 |
| Account Resolution Corporation | 1 | 0 | 1 |
| Action Collection Service | 1 | 0 | 0 |
| Adler Wallach & Associates, Inc. | 1 | 0 | 1 |
| Advanced Recovery Group LLC | 1 | 0 | 0 |
| Advantage Collection Professionals, Inc. | 1 | 0 | 0 |
| Alco Capital Group, LLC | 1 | 1 | 0 |
| Alliance Group & Associates LLC | 1 | 0 | 1 |
| American Accounts & Advisers, Inc. | 1 | 0 | 1 |
| American Collection Systems, Inc. | 1 | 0 | 1 |
| American Cycle Finance, Inc. | 1 | 0 | 1 |
| Americor Funding, LLC | 1 | 0 | 0 |
| Applied Business Services, Inc. | 1 | 0 | 1 |
| Aqua Finance, Inc. | 1 | 0 | 1 |
| Arapahoe Motors | 1 | 0 | 0 |
| Arcadia Holdings, LLC | 1 | 0 | 1 |
| Arcon Credit Solutions LLC | 1 | 0 | 1 |
| Armada Corp. | 1 | 1 | 0 |
| Asset Recovery Bureau LLC | 1 | 0 | 1 |
| Associates International Holdings Corporation | 1 | 0 | 1 |
| Assured Financial LLC | 1 | 0 | 1 |
| Atlas Collections Inc. (of New Castle) | 1 | 1 | 0 |
| Atlas Services, Inc. | 1 | 0 | 1 |
| Aubrey Thrasher, LLC | 1 | 0 | 1 |
| Auto Credit of Virginia Inc. | 1 | 0 | 1 |
| Auto Now Financial Services, Inc., Phoenix, AZ Branch | 1 | 0 | 1 |
| B-LO LLC | 1 | 0 | 0 |
| BELMONT FINANCE LLC | 1 | 0 | 1 |
| BH Financial Group, LLC | 1 | 1 | 0 |
| BIRK CORPORATION | 1 | 0 | 1 |
| BMW Financial Services NA, LLC | 1 | 0 | 1 |
| BOK FINANCIAL CORP | 1 | 0 | 1 |
| BRite Financial Services, Inc. | 1 | 0 | 1 |
| BWW Law Group, LLC | 1 | 0 | 0 |
| Bankers Auto Acceptance | 1 | 0 | 0 |
| Baxter Bailey & Associates | 1 | 0 | 1 |
| Bayview Solutions LLC | 1 | 0 | 1 |
| Beacon Recovery Group LLC | 1 | 0 | 1 |
| Bell Global Services LLC | 1 | 0 | 1 |
| Ben Franklin Finance LLC | 1 | 1 | 0 |
| Benefit Recovery Group, LLC | 1 | 0 | 1 |
| Bepensa Capital, Inc. | 1 | 0 | 1 |
| Bernhardt and Strawser, P.A. | 1 | 0 | 1 |
| Blackrock Mitigation Group LLC | 1 | 0 | 1 |
| Blackwater Capital Group LLC. | 1 | 1 | 0 |
| Breit Investment | 1 | 0 | 1 |
| Bronstein & Weiss Arbitration | 1 | 1 | 0 |
| Burke Moore Law Group, LLP | 1 | 0 | 1 |
| Business & Professional Collection Service Inc | 1 | 0 | 1 |
| Butler, Butler & Rowse-Oberle, P.L.L.C. | 1 | 1 | 0 |
| Byrider Franchising, LLC | 1 | 0 | 0 |
| CBK, Inc. | 1 | 1 | 0 |
| CENTRAL BANCOMPANY, INC | 1 | 1 | 0 |
| CICA Collection Agency, Inc. | 1 | 0 | 1 |
| CIG FINANCIAL LLC | 1 | 1 | 0 |
| CMRE Financial Services, Inc. | 1 | 0 | 1 |
| COLLECTIONS USA, INC. | 1 | 1 | 0 |
| COLUMBIA BANKING SYSTEM, INC. | 1 | 0 | 1 |
| COMMERCIAL SERVICES GROUP, INC. | 1 | 1 | 0 |
| CONTRACT CALLERS INC | 1 | 0 | 0 |
| CORNERSTONE RESOLUTION GROUP, INC. | 1 | 0 | 1 |
| Cactus Jacks Auto Sales | 1 | 0 | 0 |
| Cannon & Cannon Firm PC | 1 | 1 | 0 |
| Capital Link Management, LLC | 1 | 0 | 1 |
| Capital Recovery Systems, Inc. | 1 | 0 | 1 |
| Cash In Minutes | 1 | 0 | 1 |
| Cedars Business Services, LLC | 1 | 0 | 0 |
| Central States Recovery, Inc. | 1 | 0 | 0 |
| Certified Solutions, Inc | 1 | 0 | 1 |
| Citizens Savings & Loan Corporation, Chattanooga, TN Branch | 1 | 1 | 0 |
| Clarity Debt Resolution, Inc | 1 | 0 | 0 |
| Clarkson Law Firm, LLC | 1 | 1 | 0 |
| Clearview Resolution Services | 1 | 0 | 1 |
| Coastal Capital Processing, LLC | 1 | 0 | 1 |
| Cohn & Dussi LLC | 1 | 0 | 1 |
| Collection Bureau Services, Inc. | 1 | 1 | 0 |
| Collection Bureau of Fort Walton Beach, Inc | 1 | 1 | 0 |
| Collections Inc | 1 | 0 | 1 |
| Commercial Acceptance Company | 1 | 0 | 0 |
| Community Health Investment Company, LLC. | 1 | 0 | 1 |
| Complete Credit Solutions, Inc. | 1 | 0 | 1 |
| Compliant Collection LLC | 1 | 0 | 1 |
| Consumer Financial Services Solutions, Inc. | 1 | 0 | 0 |
| Consumer Legal Group, P.C. | 1 | 0 | 0 |
| Convergent Resources, Inc. | 1 | 0 | 1 |
| Cordoba Legal Group, PLLC. | 1 | 0 | 0 |
| Cottonwood Financial Ltd. | 1 | 0 | 1 |
| Courtney & Camp | 1 | 1 | 0 |
| Crawfordsville CCB, Inc. | 1 | 0 | 1 |
| CredHub, Inc | 1 | 1 | 0 |
| Credit Bureau Services of Iowa Inc. | 1 | 1 | 0 |
| Credit Bureau Systems, Inc., Paducah, KY Branch | 1 | 0 | 1 |
| Credit Bureau of Havre | 1 | 0 | 1 |
| Credit Central Holdings, LLC | 1 | 1 | 0 |
| Credit Recovery Systems LLC | 1 | 0 | 1 |
| Credit Service Company, INC | 1 | 1 | 0 |
| Credit Service International Corp | 1 | 1 | 0 |
| Credit Service of Central Washington, Inc. | 1 | 0 | 1 |
| Credit Services of Michigan | 1 | 1 | 0 |
| Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc. | 1 | 1 | 0 |
| Creditors Adjustment Bureau, Inc. | 1 | 0 | 1 |
| Credova Holdings Inc | 1 | 0 | 1 |
| CrossCheck, Inc. | 1 | 0 | 1 |
| Crow Creek Sioux Tribe | 1 | 0 | 1 |
| Cuzco Capital Investment Management, LLC | 1 | 0 | 1 |
| D'Aquila, Contreras and Vega, A Professional Law Corporation | 1 | 0 | 0 |
| D2 Management LLC | 1 | 0 | 0 |
| DEBT CREDIT SERVICES | 1 | 0 | 0 |
| DK, Consulting, Inc dba Huntington Financial Services | 1 | 1 | 0 |
| DLC, LLC | 1 | 0 | 1 |
| Danco Financial Services, LLC | 1 | 0 | 1 |
| Data Check of America LLC | 1 | 0 | 1 |
| DataMax Corporation | 1 | 0 | 1 |
| David Fogel P.C. | 1 | 1 | 0 |
| Davis & Jones, LLC | 1 | 0 | 1 |
| Debois, Inc. | 1 | 1 | 0 |
| Debt Co LLC | 1 | 0 | 0 |
| Debt Management Partners LLC | 1 | 1 | 0 |
| Debt Solutions LLC | 1 | 1 | 0 |
| Deinde Online Services, LLC | 1 | 0 | 1 |
| Denefits LLC | 1 | 0 | 1 |
| Dependable Debt Recovery | 1 | 0 | 1 |
| DigniFi | 1 | 0 | 1 |
| Dimand Law Offices, P.C. | 1 | 0 | 1 |
| Direct Cash LLC | 1 | 0 | 1 |
| DreamSpring | 1 | 0 | 1 |
| DriveTime | 1 | 0 | 0 |
| Driver Holdings, LLC | 1 | 1 | 0 |
| Duke Capital, LLC | 1 | 1 | 0 |
| Duncan Solutions, lnc. | 1 | 1 | 0 |
| Dunlap Gardiner LLP | 1 | 1 | 0 |
| Dunn Law, P.A. | 1 | 0 | 1 |
| Duvera Billing Services, LLC | 1 | 0 | 1 |
| Dyck-O'Neal, Inc. | 1 | 0 | 1 |
| Dynamic Recovery Solutions, LLC | 1 | 0 | 1 |
| EULER HERMES UMA, INC. | 1 | 0 | 1 |
| EVERGREEN PROFESSIONAL RECOVERIES, INC. | 1 | 1 | 0 |
| Eagle Financial Services, Inc. | 1 | 0 | 0 |
| Early Warning Services, LLC | 1 | 0 | 0 |
| Eastern Account Systems of Connecticut, Inc. | 1 | 0 | 0 |
| Eastpoint Recovery Group, Inc | 1 | 0 | 1 |
| Edward F Bukaty III | 1 | 0 | 0 |
| Egon Singerman, Attorney at Law | 1 | 0 | 0 |
| Emmett L. Goodman, Jr., LLC | 1 | 1 | 0 |
| Equity Auto Finance, Inc. | 1 | 1 | 0 |
| FCC Finance, LLC | 1 | 0 | 0 |
| FREEDOM FINANCIAL NETWORK | 1 | 0 | 0 |
| FRESNO CREDIT BUREAU | 1 | 0 | 1 |
| FRIENDLY FINANCE DISCOUNT CORPORATION | 1 | 0 | 1 |
| Fairway Collections, LLC | 1 | 0 | 0 |
| Family Choice Financial, Inc. | 1 | 1 | 0 |
| Fay Servicing, LLC | 1 | 1 | 0 |
| Federal Cash Advance, LLC of Oklahoma | 1 | 0 | 1 |
| Fidelity National Financial, Inc | 1 | 1 | 0 |
| Fidelity National Information Services, Inc. (FNIS) | 1 | 0 | 0 |
| Figliola & Romano, LLC | 1 | 0 | 1 |
| Financial Assistance Inc | 1 | 1 | 0 |
| Financial Business and Consumer Solutions. | 1 | 0 | 1 |
| Financial Credit Network Inc | 1 | 1 | 0 |
| Financial Recovery Group | 1 | 0 | 1 |
| Financial Recovery Services, Inc. | 1 | 1 | 0 |
| First Credit Services Inc. | 1 | 0 | 1 |
| First Financial Resources, Inc. | 1 | 1 | 0 |
| First National Collection Bureau, Inc. | 1 | 0 | 1 |
| First Step Group, LLC | 1 | 0 | 1 |
| Firstsource Business Process Services, LLC | 1 | 1 | 0 |
| Five Lakes Law Group PLLC | 1 | 0 | 1 |
| Foreman Financial Inc. | 1 | 0 | 1 |
| Forsythe Finance, LLC | 1 | 0 | 0 |
| Franklin Credit Management Corporation | 1 | 0 | 1 |
| Friedman & Associates, LLC | 1 | 1 | 0 |
| GLA Collection Company, Inc. | 1 | 0 | 1 |
| GLOBAL CLIENT SOLUTIONS, LLC | 1 | 0 | 1 |
| GULF COAST COLLECTION BUREAU, INC. | 1 | 1 | 0 |
| Garrison Investment Group | 1 | 1 | 0 |
| General Collection Co. | 1 | 1 | 0 |
| Glacier Bancorp Inc. | 1 | 1 | 0 |
| Glennon Law Firm, LLC | 1 | 1 | 0 |
| Global Consulting Agency LLC | 1 | 0 | 1 |
| Grant & Weber | 1 | 1 | 0 |
| Graystone Funding Company, LLC | 1 | 0 | 1 |
| Great Lakes Entities | 1 | 0 | 1 |
| Gross Polowy LLC | 1 | 0 | 1 |
| HEAD MERCANTILE CO., INC. | 1 | 0 | 1 |
| HKM and Associates | 1 | 0 | 1 |
| HYUNDAI CAPITAL AMERICA | 1 | 0 | 1 |
| Harley Davidson Financial Services Inc | 1 | 0 | 1 |
| HarrisLoftus, PLLC | 1 | 0 | 1 |
| Hauge Associates, Inc. | 1 | 0 | 1 |
| Hawk, Haynie, Kammeyer & Smith, LLP | 1 | 0 | 1 |
| Healthcare Management, LLC | 1 | 0 | 1 |
| Henley, Lotterhos & Henley, PLLC | 1 | 1 | 0 |
| Herbert P. Sears Co., Inc. | 1 | 0 | 0 |
| Heritage Financial Group, Inc. | 1 | 1 | 0 |
| Hodosh, Lyon & Hammer, PC | 1 | 0 | 1 |
| Home Loan Center, Inc. | 1 | 0 | 1 |
| HomeServices of Iowa | 1 | 1 | 0 |
| IOWA STUDENT LOAN LIQUIDITY CORPORATION | 1 | 1 | 0 |
| Ideal Collection Services, Inc. | 1 | 0 | 1 |
| Imperial Finance Corp | 1 | 1 | 0 |
| Imperial Recovery Consultants, LLC | 1 | 0 | 1 |
| Integra Auto Capital | 1 | 0 | 1 |
| Investment Retrievers, Inc. | 1 | 0 | 0 |
| Io, Inc. | 1 | 0 | 0 |
| Island Finance Puerto Rico | 1 | 1 | 0 |
| Ivy Street Development Corp. | 1 | 0 | 1 |
| JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE | 1 | 0 | 1 |
| JMC Leasing Specialties, LLC | 1 | 1 | 0 |
| JP Jensen Collections, LLC | 1 | 1 | 0 |
| Jensen & Sullivan, LLC | 1 | 1 | 0 |
| Judgment Acquisitions Unlimited Inc | 1 | 0 | 1 |
| KAHRS LAW OFFICES, PA | 1 | 0 | 0 |
| KEYCORP | 1 | 1 | 0 |
| KP ASSET CONSULTING LLC | 1 | 0 | 1 |
| Kaman & Cusimano, LLC | 1 | 1 | 0 |
| Kass Shuler, P.A. | 1 | 0 | 0 |
| Key 2 Recovery, Inc. | 1 | 0 | 1 |
| Kikoff Inc. | 1 | 0 | 1 |
| Kinum, Inc., Indianapolis, IN Branch | 1 | 1 | 0 |
| Kirkwood Law, LLC | 1 | 1 | 0 |
| Kirschbaum, Nanney, Keenan & Griffin, P.A. | 1 | 0 | 1 |
| Kornerstone Credit, LLC. | 1 | 1 | 0 |
| Kovitz Shifrin Nesbit, A Professional Corporation | 1 | 1 | 0 |
| L.B.Gray LLC A Debt Collection Agency | 1 | 0 | 1 |
| LAW OFFICE OF JOHN E. LINDNER P.A. | 1 | 1 | 0 |
| LENCO FINANCE OF CARENCRO, INC | 1 | 0 | 1 |
| LEXISNEXIS | 1 | 1 | 0 |
| LJ Ross Associates | 1 | 0 | 0 |
| LPH, Inc. | 1 | 1 | 0 |
| LTD Financial Services, L.P. | 1 | 0 | 1 |
| LUKE, JOHNSON & LEWIS LLC | 1 | 1 | 0 |
| Lake City Credit | 1 | 0 | 1 |
| Lakeland West Capital LLC | 1 | 0 | 1 |
| Lakeview Law Group, PLLC | 1 | 0 | 0 |
| Lamont, Hanley & Associates, Inc. | 1 | 0 | 0 |
| Law Office of Linda Strumpf | 1 | 0 | 1 |
| Law Office of Monica Guilarte LLC | 1 | 1 | 0 |
| Law Offices of Gary A Bemis APC | 1 | 0 | 1 |
| Law Offices of Robert A. Schuerger Co., LPA | 1 | 0 | 0 |
| Leaders Financial Company | 1 | 1 | 0 |
| LeasePoint Funding Group, LLC | 1 | 0 | 0 |
| Lefkoff, Rubin, Gleason, Russo & Williams, P.C. | 1 | 0 | 0 |
| LendingUSA | 1 | 0 | 0 |
| Lien Receivables LLC | 1 | 0 | 1 |
| Location Services Holdings, LLC | 1 | 0 | 1 |
| Lyons Law Office, LLC | 1 | 1 | 0 |
| M & S FUNDING, INC. | 1 | 0 | 1 |
| M&T BANK CORPORATION | 1 | 0 | 1 |
| MAS Associates, LLC | 1 | 1 | 0 |
| MNS & Associates LLC | 1 | 0 | 1 |
| MOHELA | 1 | 0 | 0 |
| MST Financial Services, L.L.C. | 1 | 0 | 1 |
| Main Resolution Group | 1 | 0 | 1 |
| Makes Cents, Inc. dba Advance.Cash | 1 | 0 | 1 |
| Management Core Solutions, Inc. | 1 | 0 | 1 |
| Marauder Corporation | 1 | 0 | 1 |
| Mary Jane M. Elliott, P.C. Attorneys At Law | 1 | 0 | 0 |
| Maury Cobb, Attorney at Law, LLC | 1 | 1 | 0 |
| Mercedes Benz Financial Services | 1 | 1 | 0 |
| Merchants Acquisition Group LLC | 1 | 0 | 1 |
| Merchants Adjustment Service, Inc. | 1 | 0 | 0 |
| Merchants Credit Bureau, Inc. | 1 | 0 | 1 |
| Merchants and Medical Credit Corporation, Inc. | 1 | 0 | 1 |
| Meredian Inc | 1 | 0 | 1 |
| Michael Wayne Investment | 1 | 1 | 0 |
| Milby Law Offices P.A. | 1 | 1 | 0 |
| Monarch Recovery Holdings, Inc. | 1 | 0 | 0 |
| Moody, Jones & Ingino, P.A | 1 | 0 | 1 |
| Morgan & Associates, P.C. | 1 | 1 | 0 |
| Moxley & Associates, LLC | 1 | 1 | 0 |
| NCMI Corporation | 1 | 0 | 1 |
| NCSPLUS INCORPORATED | 1 | 0 | 1 |
| NEW CITY FUNDING CORP. | 1 | 1 | 0 |
| NEW YORK COMMUNITY BANCORP INC | 1 | 1 | 0 |
| NORTHERN HILLS COLLECTIONS INC. | 1 | 0 | 1 |
| National Arbitration Forum | 1 | 0 | 1 |
| National Business Factors | 1 | 0 | 0 |
| National Credit Managers Association | 1 | 0 | 0 |
| National Financial LLC | 1 | 0 | 0 |
| Nelnet, Inc. | 1 | 0 | 1 |
| Net Pay Advance, Inc. | 1 | 1 | 0 |
| New Century Financial Services, Inc. | 1 | 0 | 1 |
| Newman & Marquez, P.A. | 1 | 0 | 1 |
| Niagara Central Revenue | 1 | 0 | 1 |
| Niederman Stanzel & Lindsey | 1 | 1 | 0 |
| Noam J. Cohen, PA | 1 | 1 | 0 |
| O&L LAW GROUP, P.L. | 1 | 1 | 0 |
| O'Kelley & Sorohan, Attorneys at Law, LLC | 1 | 1 | 0 |
| OLD NATIONAL BANCORP | 1 | 0 | 1 |
| ORG GC GP BUYER, LLC | 1 | 0 | 0 |
| Oak Harbor Capital, LLC | 1 | 0 | 1 |
| Olympic Collection Inc. | 1 | 1 | 0 |
| PERDUE BRANDON FIELDER COLLINS & MOTT LLP | 1 | 0 | 1 |
| PLANET HOME LENDING, LLC | 1 | 0 | 1 |
| PMGI, LLC | 1 | 1 | 0 |
| PRA LAW FIRM | 1 | 1 | 0 |
| PROFICIO FINANCIAL SERVICES, LLC | 1 | 1 | 0 |
| Pacific Credit Exchange Corporation | 1 | 0 | 1 |
| Palmar, Inc. | 1 | 0 | 0 |
| Paragon Subrogation Services, Inc | 1 | 0 | 1 |
| Paramount Capital Group, Inc. | 1 | 0 | 1 |
| Paramount Recovery Systems, L.P. | 1 | 0 | 0 |
| Paula G Kaplan Esq | 1 | 0 | 1 |
| Paycheck Solutions llc | 1 | 1 | 0 |
| Peerless Credit Services Inc | 1 | 0 | 1 |
| Penn Credit Corporation | 1 | 0 | 0 |
| Plutos Sama, LLC | 1 | 0 | 1 |
| Porania, LLC | 1 | 0 | 0 |
| Porter Law Firm | 1 | 1 | 0 |
| Portnoff Law Associates, Ltd. | 1 | 1 | 0 |
| Post Lake Lending Inc. | 1 | 0 | 1 |
| Precision Capital Mediation | 1 | 0 | 1 |
| Primus Law PC | 1 | 0 | 1 |
| Prince Parker & Associates | 1 | 0 | 1 |
| Procollect Services LLC | 1 | 0 | 1 |
| Professional Collectors Corp. | 1 | 0 | 1 |
| Qualey Law Group, Inc. | 1 | 1 | 0 |
| Quick Debt Services LLC | 1 | 0 | 1 |
| RAB, INC. | 1 | 0 | 1 |
| RAM America, Inc | 1 | 0 | 0 |
| REGAL CREDIT CORPORATION | 1 | 1 | 0 |
| RGL Associates, Inc. | 1 | 0 | 1 |
| RGV Loans LLC | 1 | 0 | 1 |
| RSI Enterprises, Inc. | 1 | 0 | 1 |
| RUSH COLLECTIONS AGENCY, CORP. | 1 | 1 | 0 |
| Rainier Financial Group, LLC | 1 | 0 | 1 |
| Reach Financial LLC | 1 | 0 | 0 |
| Recovery Partners, LLC | 1 | 1 | 0 |
| Red White and Blue Autos, Inc. | 1 | 0 | 1 |
| Reese Law Group | 1 | 0 | 1 |
| Reimer, Arnovitz, Chernek &Jeffrey Co., LPA | 1 | 1 | 0 |
| Reliable Credit Association, Inc. | 1 | 1 | 0 |
| Reliant Capital Solutions, LLC | 1 | 0 | 1 |
| Results Unlimited, Inc. | 1 | 1 | 0 |
| RevNow LLC | 1 | 1 | 0 |
| Ridge & Valley Realty, Inc. | 1 | 0 | 1 |
| Risecredit, LLC | 1 | 1 | 0 |
| Riverview Law Office, PLLC | 1 | 0 | 1 |
| Riverwalk Financial Corporation | 1 | 0 | 1 |
| Robert W. Warner & Associates, P.C. | 1 | 0 | 1 |
| Rocky Mountain Capital Management | 1 | 1 | 0 |
| Rodriguez Fernandez Law Offices, LLC | 1 | 0 | 1 |
| Rogers, Carter & Payne, LLC | 1 | 0 | 0 |
| Rutledge Law Firm, P.C | 1 | 1 | 0 |
| S & S Recovery, Inc. | 1 | 1 | 0 |
| SCS Credit Corporation | 1 | 1 | 0 |
| SIMM Associates, Inc. | 1 | 0 | 1 |
| SMITH, ROUCHON & ASSOCIATES, INC. | 1 | 1 | 0 |
| SN SERVICING CORPORATION | 1 | 0 | 1 |
| SOP Pioneer Partners LP | 1 | 0 | 1 |
| SUNCOAST CREDIT UNION | 1 | 1 | 0 |
| Salander Enterprises, LLC | 1 | 0 | 0 |
| Scott Kroner PLC | 1 | 1 | 0 |
| Servicer under contract with Federal Student Aid | 1 | 0 | 0 |
| Simpson Law Firm, P.A. | 1 | 1 | 0 |
| SinglePoint GI | 1 | 0 | 1 |
| Skopos Financial, LLC | 1 | 0 | 1 |
| Small & Small, Attorneys PLLC | 1 | 0 | 1 |
| Smith & Johnson, Attorneys PC | 1 | 0 | 1 |
| Snow and Sauerteig LLP | 1 | 1 | 0 |
| Source Receivables Management LLC | 1 | 0 | 0 |
| South Mississippi Collection Services Inc. | 1 | 1 | 0 |
| Southern Credit LLC | 1 | 1 | 0 |
| Southwest Recovery Services, Inc. | 1 | 0 | 0 |
| Speed Investments LLC | 1 | 1 | 0 |
| Starmark Financial LLC | 1 | 1 | 0 |
| State Collection Service, Inc. | 1 | 0 | 1 |
| States Resources Corp. | 1 | 0 | 1 |
| Stellantis Financial Services US Corp. | 1 | 1 | 0 |
| Stephen L. Bruce, P.C. | 1 | 0 | 1 |
| Stewart, Zlimen & Jungers, Attorneys, Ltd. | 1 | 1 | 0 |
| Straley & Otto, P.A. | 1 | 0 | 1 |
| Stratus Financial LLC | 1 | 1 | 0 |
| Sunnova Energy Corporation | 1 | 0 | 0 |
| Synovus Bank | 1 | 0 | 1 |
| Szuba & Associates, PLLC | 1 | 1 | 0 |
| TDS Financial LLC | 1 | 0 | 1 |
| TIDEWATER FINANCE COMPANY, INC. | 1 | 1 | 0 |
| Telerecovery Corporation | 1 | 0 | 1 |
| Tennessee Credit Management, Inc | 1 | 0 | 1 |
| Texas Guaranteed | 1 | 0 | 1 |
| Thaddeus Bechtle Attorney at Law, LPC | 1 | 0 | 1 |
| The Best Service Co.,Inc | 1 | 0 | 1 |
| The Bureaus, Inc. | 1 | 0 | 1 |
| The CFM Group | 1 | 0 | 1 |
| The Cadle Company | 1 | 0 | 1 |
| The Cherrington Firm PLLC | 1 | 1 | 0 |
| The Commercial Collection Corporation of New York, Inc. | 1 | 0 | 1 |
| The Grogan Law Group, LLC | 1 | 1 | 0 |
| The Law Offices of Barry J. Gammons, PLLC | 1 | 1 | 0 |
| The Law Offices of Gregory Alexandrides, LLC | 1 | 1 | 0 |
| The Law Offices of Mitchell D. Bluhm & Associates | 1 | 0 | 1 |
| The Manley Law Firm LLC (dba MDK Legal) | 1 | 0 | 0 |
| The Receivable Management Services LLC | 1 | 0 | 1 |
| The Stark Collection Agency, Inc. | 1 | 1 | 0 |
| The Winn Brown Law Firm, LLC | 1 | 0 | 0 |
| Thomas & Thomas Attorneys and Counselors at Law, LLC | 1 | 0 | 0 |
| Timothy C. Runyan, P.C. | 1 | 1 | 0 |
| Titanium Funds | 1 | 1 | 0 |
| Total Card, Inc. | 1 | 0 | 0 |
| Total Customer Service, Inc. | 1 | 0 | 1 |
| Town Financial Corporation | 1 | 1 | 0 |
| Trident Asset Management, L.L.C. | 1 | 1 | 0 |
| Trust Financial LLC | 1 | 0 | 1 |
| Turke & Strauss LLP | 1 | 1 | 0 |
| U.S. Auto Credit Corporation | 1 | 1 | 0 |
| ULRS, Inc. | 1 | 1 | 0 |
| UNITED CREDIT CORP. OF SOUTHAVEN | 1 | 0 | 1 |
| UNIVERSAL ACCOUNTS LLC | 1 | 1 | 0 |
| UNIVERSAL COLLECTION SYSTEMS, INC | 1 | 1 | 0 |
| USCB Corporation | 1 | 0 | 1 |
| United Accounts, Inc. | 1 | 1 | 0 |
| United Group Inc. | 1 | 0 | 1 |
| United Shore Financial Services, LLC | 1 | 0 | 1 |
| VANDERHEYDEN LAW OFFICE, P.A. | 1 | 1 | 0 |
| VERITEX HOLDINGS, INC. | 1 | 0 | 1 |
| VETERIS CAPITAL LLC | 1 | 0 | 1 |
| Valentine and Kebartas, Inc. | 1 | 0 | 0 |
| Veros Credit, LLC | 1 | 0 | 0 |
| WESTERN UNION COMPANY, THE | 1 | 0 | 1 |
| WHEELS FINANCIAL GROUP, LLC. | 1 | 1 | 0 |
| WLCC | 1 | 1 | 0 |
| Wallick & Associates, Ltd | 1 | 1 | 0 |
| Wasserstein, P.A. | 1 | 1 | 0 |
| Waypoint Resource Group, LLC | 1 | 0 | 1 |
| Weinstein & Riley, P.S. | 1 | 0 | 1 |
| Wellmont Health System | 1 | 1 | 0 |
| West Coast Servicing, Inc. | 1 | 0 | 0 |
| Wilson Salamoff, LLP | 1 | 0 | 0 |
| ZARVAD III S.A. | 1 | 0 | 1 |
Complaints received by the CFPB from January 2024 through December 2025. No notice = sued without proper notification of the lawsuit; Old debt = threatened to sue on very old debt. The CSV adds the two other sub-issues and all companies.
Which Collectors' Complaints Are Most Often About Lawsuits
To account for company size in complaint terms, this chart shows the share of each company's debt collection complaints that concern a lawsuit, for the 60 companies with at least 1,000 debt collection complaints in 2024 and 2025.
Among those companies, Velocity Portfolio Group had the highest share: 11.1% of its 1,169 complaints were about lawsuits, 6.2× the rate across all companies (1.8%). Discover Bank (6.3%) and Citibank (6.0%) followed; Encore Capital Group ranked number 5 at 5.2%.
Resurgent Capital Services (2.2%) and Portfolio Recovery Associates (2.8%) draw many lawsuit complaints in absolute terms but lower shares, because they also draw many complaints on other issues. For 36 of the 60 companies, fewer than one in a hundred complaints concerned a lawsuit.
Smaller companies are left out of this chart because a few complaints can swing their share. Several collection law firms with fewer complaints show much higher shares, including Gurstel Law Firm (30.5%) and Blitt and Gaines (27.0%); the full list is in the company CSV.
Share of debt collection complaints about lawsuits, companies with the most complaints, 2024–2025
- Velocity Portfolio Group11.1%130 of 1,169 complaints
- Discover Bank6.3%133 of 2,098 complaints
- Citibank, N.A.6.0%189 of 3,145 complaints
- Cavalry Investments5.5%74 of 1,346 complaints
- Encore Capital Group (Midland)5.2%1,034 of 19,995 complaints
- Credit Acceptance5.2%53 of 1,029 complaints
- Synchrony Financial4.8%160 of 3,354 complaints
- Absolute Resolutions4.6%48 of 1,043 complaints
- Bank of America, N.A.4.4%83 of 1,880 complaints
- JPMorgan Chase & Co.3.9%98 of 2,505 complaints
- Capital One Financial3.9%203 of 5,272 complaints
- American Express3.7%64 of 1,724 complaints
- Credit Corp Solutions3.3%42 of 1,281 complaints
- Portfolio Recovery Associates2.8%512 of 18,021 complaints
- Navy Federal Credit Union2.8%50 of 1,769 complaints
All companies in this ranking
- Wells Fargo & Company2.6%52 of 2,009 complaints
- TD Bank US Holding2.5%27 of 1,068 complaints
- Resurgent Capital Services (LVNV)2.2%594 of 26,957 complaints
- Bread Financial2.1%77 of 3,616 complaints
- Westlake Services, LLC1.6%17 of 1,082 complaints
- SANTANDER HOLDINGS USA, INC.1.5%20 of 1,345 complaints
- Security Credit Services, LLC1.4%18 of 1,285 complaints
- CL Holdings LLC1.4%242 of 17,750 complaints
- NCB Management Services Inc.1.0%22 of 2,144 complaints
- Spring Oaks Capital, LLC0.8%32 of 3,983 complaints
- Harris & Harris, Ltd.0.7%13 of 1,862 complaints
- HW Holding, Inc0.7%18 of 2,621 complaints
- T.S. Holdings0.6%17 of 2,730 complaints
- Credit Control, LLC0.6%9 of 1,481 complaints
- National Credit Adjusters, LLC0.6%17 of 2,819 complaints
- W&A Intermediate Co., LLC0.6%13 of 2,210 complaints
- TRANSWORLD SYSTEMS INC0.6%37 of 6,422 complaints
- V and H Portfolio0.6%7 of 1,215 complaints
- Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis0.5%22 of 4,062 complaints
- NRA Group, LLC0.5%7 of 1,301 complaints
- Amsher Collection Services, Inc.0.5%10 of 1,889 complaints
- National Credit Systems,Inc.0.5%33 of 6,636 complaints
- The CBE Group, Inc.0.5%5 of 1,108 complaints
- Southwest Credit Systems, L.P.0.4%9 of 2,067 complaints
- Radius Global Solutions LLC0.4%11 of 2,864 complaints
- Self Financial Inc.0.4%5 of 1,333 complaints
- TrueAccord Corp.0.4%8 of 2,161 complaints
- FAIR COLLECTIONS & OUTSOURCING, INC.0.3%7 of 2,066 complaints
- ProCollect, Inc.0.3%6 of 1,857 complaints
- Kriya Capital, LLC0.3%18 of 6,050 complaints
- Collection Management Holdings, LLC0.3%4 of 1,347 complaints
- CAINE & WEINER COMPANY, INC.0.3%12 of 4,376 complaints
- SUNRISE CREDIT SERVICES, INC0.3%6 of 2,442 complaints
- Sequium Asset Solutions, LLC0.2%3 of 1,360 complaints
- CCS Financial Services, Inc.0.2%21 of 9,678 complaints
- ONLINE Information Services, Inc.0.2%2 of 1,059 complaints
- Central Portfolio Control Inc.0.2%2 of 1,218 complaints
- I.C. System, Inc.0.2%10 of 6,434 complaints
- Aldous & Associates, PLLC0.1%3 of 2,119 complaints
- Affirm Holdings, Inc0.1%3 of 2,244 complaints
- Experian Information Solutions Inc.0.1%46 of 35,450 complaints
- TRANSUNION INTERMEDIATE HOLDINGS, INC.0.1%40 of 40,992 complaints
- EQUIFAX, INC.0.1%37 of 41,234 complaints
- Eastern Account Systems of Connecticut, Inc.0.1%1 of 1,307 complaints
- Source Receivables Management LLC0.1%1 of 1,499 complaints
Are Complaints About Debt Collection Lawsuits Rising
The trend counts the same four sub-issues by the calendar year the CFPB received the complaint, from 2018, the first full year of the current complaint form.
Lawsuit complaints rose from 1,632 in 2018 to 4,753 in 2025, 2.9× as many. From 2024 to 2025 they rose 55.3%, from 3,060 to 4,753.
As a share of all debt collection complaints, lawsuit complaints fell to 1.7% in 2025, from 3.3% in 2023. The reason is the denominator: all debt collection complaints grew 81.7% from 2024 to 2025, including complaints that a collector threatened or suggested the consumer's credit would be damaged, which rose from 6,363 to 41,636. The number of lawsuit complaints itself rose in every year since 2022.
CFPB debt collection complaints about lawsuits by year received
- 20181,6323.2% of debt collection complaints
- 20191,6243.5% of debt collection complaints
- 20201,3682.5% of debt collection complaints
- 20211,6082.3% of debt collection complaints
- 20221,6022.7% of debt collection complaints
- 20232,2353.3% of debt collection complaints
- 20243,0602.0% of debt collection complaints
- 20254,7531.7% of debt collection complaints
The current sub-issues were introduced in April 2017, so 2017 is left out; 2026 is incomplete and not shown.
What Consumers Say About Debt Collection Lawsuits
Consumers choose one sub-issue when they file. Three of the four lawsuit sub-issues sit under the issue "Took or threatened to take negative or legal action"; one sits under "False statements or representation".
Threats to sue on very old debt led with 3,810 complaints in 2024 and 2025, followed by being sued without proper notice (3,009), being sued in a state where the consumer does not live or did not sign (545) and being told not to respond to a lawsuit (449).
The CFPB describes the statute of limitations as the time, set by each state, that lenders and collection agencies have to file a lawsuit against consumers for nonpayment. A complaint about a threat to sue on old debt records the consumer's account; the data do not show whether the debt was in fact past that limit.
To check our data, we compared the 2024 shares within the issue "Took or threatened to take negative or legal action" with the CFPB's own annual report on the Fair Debt Collection Practices Act. The CFPB reports 11% for being sued without proper notification; our data give 10.7% of 10,750 complaints. For threats to sue on old debt the CFPB reports 14%, our data 14.2%.
CFPB debt collection complaints about lawsuits by sub-issue
| Sub-issue | 2024 | 2025 | Share |
|---|---|---|---|
| Threatened to sue you for very old debt | 1,526 | 2,284 | 48.8% |
| Sued you without properly notifying you of lawsuit | 1,148 | 1,861 | 38.5% |
| Sued you in a state where you do not live or did not sign for the debt | 248 | 297 | 7.0% |
| Told you not to respond to a lawsuit they filed against you | 138 | 311 | 5.8% |
Share = sub-issue's share of all lawsuit complaints in 2024 and 2025 combined.
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- CFPB debt collection complaints about lawsuits by company, 2024-2025Every company named in at least one published CFPB debt collection complaint about a lawsuit (sued without notice, threatened suit on old debt, sued in the wrong state, told not to respond) received in 2024 or 2025, ranked by count. · 959 rows · CSV, 83 KB
- CFPB debt collection complaints about lawsuits by sub-issue, 2024-2025Published CFPB debt collection complaints received in 2024 and 2025 for each of the four lawsuit-related sub-issues, with each sub-issue's share of the total. · 4 rows · CSV, 1 KB
- CFPB debt collection complaints about lawsuits by year, 2018-2025Published CFPB debt collection complaints about lawsuits per calendar year received, by sub-issue, with their share of all published debt collection complaints. · 8 rows · CSV, 1 KB
- Share of each company's CFPB debt collection complaints that concern lawsuits, 2024-2025Companies with at least one thousand published CFPB debt collection complaints received in 2024 and 2025, ranked by the share of those complaints that concern a lawsuit. · 60 rows · CSV, 4 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 77 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 244 KB
Charts for your story
CFPB debt collection complaints about lawsuits by company, 2024–2025
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Share of debt collection complaints about lawsuits, companies with the most complaints, 2024–2025
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CFPB debt collection complaints about lawsuits by year received
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CFPB debt collection complaints about lawsuits by sub-issue
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How to cite
Goldberg, L. (2026). CFPB Debt Collection Complaints About Lawsuits — Ranking by Company (2024–2025) and Trend (2018–2025) [Data set]. Settlement Insight. https://settlementinsight.com/research/debt-collectors-lawsuit-complaints
BibTeX
@dataset{goldberg_2026_debt_collectors_lawsuit_complaints,
author = {Goldberg, Leonard},
title = {CFPB Debt Collection Complaints About Lawsuits --- Ranking by Company (2024--2025) and Trend (2018--2025)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/debt-collectors-lawsuit-complaints}
}How We Measured
Checked against published figures
- Share of 2024 'took or threatened to take negative or legal action' debt collection complaints about being sued without proper notification of the lawsuit: published 11%, our count 11% (0.3 percentage points apart).Fair Debt Collection Practices Act: CFPB Annual Report 2025
- Share of 2024 'took or threatened to take negative or legal action' debt collection complaints about threats to sue on a debt that is old: published 14%, our count 14% (0.2 percentage points apart).Fair Debt Collection Practices Act: CFPB Annual Report 2025
- Share of 2024 'took or threatened to take negative or legal action' debt collection complaints about threats that the consumer's credit would be damaged: published 59%, our count 59% (0.2 percentage points apart).Fair Debt Collection Practices Act: CFPB Annual Report 2025
- Share of 2024 'false statements or representation' debt collection complaints saying the consumer should not respond to a lawsuit: published 0.8%, our count 0.8% (0.02 percentage points apart).Fair Debt Collection Practices Act: CFPB Annual Report 2025
Full method and limits of the data
We kept complaints with the product "Debt collection" and counted as lawsuit complaints those with one of four sub-issues: "Threatened to sue you for very old debt", "Sued you without properly notifying you of lawsuit", "Sued you in a state where you do not live or did not sign for the debt" and "Told you not to respond to a lawsuit they filed against you". Each complaint is assigned to the calendar year in which the CFPB received it (date_received). The ranking covers 2024 and 2025; the trend covers 2018 to 2025, because these sub-issues were introduced in April 2017. 2026 is incomplete and left out.
Companies are counted under the name in the CFPB field company, without merging name variants. In text and tables we show a shortened name and, for Encore Capital Group and Resurgent Capital Services, the better-known brand in parentheses; the CSV lists the original CFPB name. The lawsuit share of a company is its lawsuit complaints divided by all its published debt collection complaints in 2024 and 2025, shown for companies with at least 1,000 such complaints.
To check the data, we recomputed the shares the CFPB reports for calendar year 2024 in its 2025 annual report on the Fair Debt Collection Practices Act. Within the issue "Took or threatened to take negative or legal action" (10,750 complaints in our data), we find 10.7% for being sued without proper notification (CFPB: 11%), 14.2% for threats to sue on old debt (CFPB: 14%) and 59.2% for threatened credit damage (CFPB: 59%). Within "False statements or representation" we find 0.8% for being told not to respond to a lawsuit (CFPB: 0.8%).
What this data cannot tell you
- A complaint is a consumer's account, not a court record. The data do not show whether a lawsuit was filed, whether notice was in fact defective, or how a case ended, and a threat to sue is counted the same way as an actual suit.
- Counts are not adjusted for the number of accounts a company owns or collects. The database is not a statistical sample of consumers' experiences, and some consumers who are sued never file a complaint.
- The company named is the company the complaint is about, which can be the original creditor, the debt buyer, the servicer or the collection law firm. The same lawsuit can lead to complaints against more than one of them, and brands and subsidiaries are listed under the parent or servicer name the CFPB uses.
- Complaints from late 2025 are published after the company responds or after 15 days, and responses and published fields can still be updated, so 2025 counts may shift slightly. The CFPB's own report excludes some complaints, such as duplicates, so its shares are based on a slightly different set of complaints than the published database.
Frequently Asked Questions
Which debt collector gets the most complaints about lawsuits?
Encore Capital Group, the parent of Midland Credit Management, was named in 1,034 CFPB debt collection complaints about lawsuits received in 2024 and 2025, the most of any company. Resurgent Capital Services (LVNV) followed with 594 and Portfolio Recovery Associates with 512.
Does Midland Credit Management sue people?
Encore Capital Group, Midland's parent, states in its annual report that when it decides to pursue legal action it places the account into its internal legal channel or refers it to its network of retained law firms. Consumers named Encore in 1,034 CFPB complaints about lawsuits in 2024 and 2025, including 345 about being sued without proper notice.
Who is LVNV Funding and why is Resurgent collecting?
LVNV Funding says it outsources the management of its accounts to Resurgent Capital Services, a licensed third-party debt collector. CFPB complaints about LVNV accounts therefore often name Resurgent, which drew 594 lawsuit complaints in 2024 and 2025.
Can a debt collector sue you for an old debt?
Each state sets a statute of limitations, the time lenders and collection agencies have to file a lawsuit for nonpayment, according to the CFPB. Threats to sue on very old debt were the most common lawsuit complaint in 2024 and 2025, with 3,810 complaints.
How common is being sued by a debt collector without notice?
In 2024 and 2025, consumers filed 3,009 CFPB complaints saying a debt collector sued them without properly notifying them of the lawsuit, 38.5% of all lawsuit complaints. Such complaints rose from 474 in 2018 to 1,861 in 2025.
Are complaints about debt collection lawsuits increasing?
Yes, in number. Lawsuit complaints rose from 1,632 in 2018 to 4,753 in 2025, and by 55.3% from 2024 to 2025. As a share of all debt collection complaints they fell, because complaints on other issues grew faster.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Fair Debt Collection Practices Act: CFPB Annual Report 2025 — Consumer Financial Protection Bureau
- How we share complaint data — Consumer Financial Protection Bureau
- Encore Capital Group, Inc. Form 10-K for fiscal year 2025 — U.S. Securities and Exchange Commission (EDGAR)
- Your Account Has A New Owner: LVNV Funding — LVNV Funding LLC
Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
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