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Debt collection

Communication tactics

Consumers have filed 79,213 complaints about this, 8,784 in the last 12 months (-4%), against 3,029 companies. The most complained-about is Encore Capital. Companies closed 27% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Frequent or repeated calls43,43455%
  • You told them to stop contacting you, but they keep trying17,70022%
  • Used obscene, profane, or other abusive language6,3318%
  • Threatened to take legal action4,6696%
  • Called before 8am or after 9pm2,4753%
  • Called after sent written cease of comm1,8522%
  • Used obscene/profane/abusive language1,8322%
  • Called outside of 8am-9pm9121%
  • Frequent or repeated messages40.0%
  • Contacted before 8am or after 9pm30.0%

By month

By state

ALAKAZARCACOCTDEDCFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPAPRRISCSDTNTXUTVTVAWAWVWIWY
Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 13, 2026Fairway Capital RecoveryDebt collectionCommunication tacticsYou told them to stop contacting you, but they keep tryingNCExplainedYes
Nov 13, 2026UnifinDebt collectionCommunication tacticsFrequent or repeated callsNYExplainedYes
Nov 13, 2026Reliant Capital SolutionsDebt collectionCommunication tacticsFrequent or repeated callsMIExplainedYes
Nov 13, 2026LJ Ross AssociatesDebt collectionCommunication tacticsFrequent or repeated callsMIExplainedYes
Nov 12, 2026TransUnionDebt collectionCommunication tacticsFrequent or repeated callsILIn progressYes
Nov 12, 2026Harris & HarrisDebt collectionCommunication tacticsYou told them to stop contacting you, but they keep tryingORExplainedYes
Nov 12, 2026UpstartDebt collectionCommunication tacticsUsed obscene, profane, or other abusive languageTXIn progressYes
Nov 11, 2026Diversified Adjustment ServiceDebt collectionCommunication tacticsUsed obscene, profane, or other abusive languageINExplainedYes
Nov 11, 2026Medical Data SystemsDebt collectionCommunication tacticsFrequent or repeated callsILIn progressYes
Nov 11, 2026Jon Barry and AssociatesDebt collectionCommunication tacticsFrequent or repeated callsILExplainedYes
Nov 11, 2026Lawson Hamilton & AssociatesDebt collectionCommunication tacticsFrequent or repeated callsGAExplainedYes
Nov 11, 2026PNC BankDebt collectionCommunication tacticsFrequent or repeated callsMIIn progressYes
Nov 11, 2026Client ServicesDebt collectionCommunication tacticsFrequent or repeated callsMNExplainedYes
Nov 10, 2026PNC BankDebt collectionCommunication tacticsYou told them to stop contacting you, but they keep tryingPAIn progressYes
Nov 10, 2026I.C. SystemDebt collectionCommunication tacticsFrequent or repeated callsILExplainedYes

Your rights with debt collectors

Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.

Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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