77 million Americans have a debt in collections.
Source: CFPB, 2024
A high complaint rate means they are more likely chasing a debt you do not owe.
Debt Collection Complaint Rates
Debt collectors ranked by complaint rate. Covers third-party collectors, debt buyers and in-house collections operations.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Contacting people about debts they do not owe - often due to poor identity verification after debt sales - is the single most common complaint type in this category. Read our full methodology →
A high complaint rate on a debt collector means they are more likely to be chasing a debt you do not actually owe.
When a collector contacts you about a debt you already paid, when they threaten legal action they have no intention of taking, or when they re-age an old debt to restart your credit clock illegally - the collector's complaint rate predicted this. High-complaint collectors generate the majority of their complaints from one issue: contacting consumers about debts that are not theirs, already paid, or past the statute of limitations. You have legal rights. Knowing this data is your first line of defence.
You cannot choose your debt collector - but you can choose how you respond. Under the FDCPA, you have 30 days to dispute any debt in writing. The collector must stop all contact until they verify it. A dispute letter takes 2 minutes to write.
- ✓You have 30 days to dispute any debt in writing - the collector must stop until verified
- ✓High-complaint collectors are 5x more likely to re-age debt illegally
- ✓If a collector violates the FDCPA you are entitled to up to $1,000 per violation
- ✓Checking your free credit report can reveal collection errors before they damage your score
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing