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Debt collection

Took or threatened to take negative or legal action

Consumers have filed 152,142 complaints about this, 72,824 in the last 12 months (+97%), against 3,413 companies. The most complained-about is CL Holdings. Companies closed 19% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Threatened or suggested your credit would be damaged118,73478%
  • Threatened to sue you for very old debt11,6058%
  • Sued you without properly notifying you of lawsuit7,8185%
  • Seized or attempted to seize your property5,4204%
  • Threatened to arrest you or take you to jail if you do not pay3,6222%
  • Collected or attempted to collect exempt funds3,1442%
  • Sued you in a state where you do not live or did not sign for the debt1,5201.0%
  • Threatened to turn you in to immigration or deport you2790.2%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 14, 2026TransUnionDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXIn progressYes
Nov 13, 2026Bank of AmericaDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedAZIn progressYes
Nov 13, 2026Bank of AmericaDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedAZIn progressYes
Nov 13, 2026NRA GroupDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXExplainedYes
Nov 13, 2026National Credit AdjustersDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXIn progressYes
Nov 13, 2026The Receivable Management ServicesDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXExplainedYes
Nov 13, 2026Leafy FinancialDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedTXExplainedYes
Nov 13, 2026M. G. CreditDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedFLExplainedYes
Nov 13, 2026National Credit AdjustersDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedSCIn progressYes
Nov 13, 2026National Credit AdjustersDebt collectionTook or threatened to take negative or legal actionThreatened to turn you in to immigration or deport youTXIn progressYes
Nov 13, 2026Bank of AmericaDebt collectionTook or threatened to take negative or legal actionSued you without properly notifying you of lawsuitCAIn progressYes
Nov 13, 20264M CollectionsDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedWAExplainedYes
Nov 12, 2026National Credit AdjustersDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedALIn progressYes
Nov 12, 2026Meridian Financial ServicesDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedCAIn progressYes
Nov 12, 2026Kriya CapitalDebt collectionTook or threatened to take negative or legal actionThreatened or suggested your credit would be damagedAZIn progressYes

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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