Collection Agency Lookup

Free lookup · 643 collectors · data through November 10, 2026

Got a letter or a call from a debt collector?

Find out who they are, what other people report about them, and what you can do before you pay anything.

Most searched: CL Holdings, Encore Capital Group, Portfolio Recovery Associates, Resurgent Capital Services, CCS Financial Services, Kriya Capital

Three things most people don't know

  1. You can make them prove it

    Dispute the debt in writing before the deadline on the collector's notice, and they have to stop collecting until they send proof. 44% of complaints are about debts people say they don't owe.

    Write a validation letter →

  2. Old debts have a time limit

    Every state limits how long a collector can sue, often three to six years. Past that, suing you or threatening to is against federal rules, but a payment can restart the clock in many states.

    Check your state →

  3. You can stop the calls

    A short letter telling a collector to stop contacting you ends most contact. You can also limit it: no calls at work, or mail only. Collectors can't call before 8 a.m. or after 9 p.m.

    What collectors can't do →

Most complained-about collectors

Last 12 months

#CollectorComplaintsChange
1CL Holdings25,488+137%
2Encore Capital Group19,519+61%
3Portfolio Recovery Associates18,047+63%
4Resurgent Capital Services17,675+8%
5CCS Financial Services8,746+54%
6Kriya Capital7,556+104%
7I.C. System6,903+82%
8National Credit Systems5,991+51%
9Caine & Weiner5,541+116%
10Spring Oaks Capital4,661+85%
11Transworld Systems4,032+3%
12National Credit Adjusters3,034+91%

All 643 collectors, A to Z →

What people complain about

All collectors, 3 years

  1. Collecting a debt the person says they don't owe44%
  2. Missing or unclear written notice about the debt22%
  3. Threatened or took negative or legal action17%
  4. False or misleading statements12%
  5. Calling too often or after being told to stop3.4%
  6. Problems with texts, emails or social media messages1.5%
  7. Contacting or threatening to contact other people0.9%

Average relief rate: collectors give some kind of relief in 23% of complaints.

Complaints about debt collectors, month by month

717,535 in 3 years

December 2023: 6,136January 2024: 7,175February 2024: 8,772March 2024: 12,354April 2024: 12,911May 2024: 12,426June 2024: 11,099July 2024: 12,149August 2024: 14,171September 2024: 15,475October 2024: 17,482November 2024: 15,454December 2024: 16,425January 2025: 23,830February 2025: 17,031March 2025: 20,369April 2025: 20,304May 2025: 21,959June 2025: 21,860July 2025: 24,871August 2025: 25,626September 2025: 26,815October 2025: 25,546November 2025: 25,707December 2025: 29,276January 2026: 31,013February 2026: 27,396March 2026: 33,672April 2026: 28,044May 2026: 27,999June 2026: 27,645July 2026: 25,096August 2026: 21,774September 2026: 21,372October 2026: 22,065November 2026: 2,588 (month so far)
Faded bar: this month so far. Counted by the date the CFPB received each complaint.
Show the monthly numbers
MonthComplaints
November 2026 (so far)2,588
October 202622,065
September 202621,372
August 202621,774
July 202625,096
June 202627,645
May 202627,999
April 202628,044
March 202633,672
February 202627,396
January 202631,013
December 202529,276
November 202525,707
October 202525,546
September 202526,815
August 202525,626
July 202524,871
June 202521,860
May 202521,959
April 202520,304
March 202520,369
February 202517,031
January 202523,830
December 202416,425
November 202415,454
October 202417,482
September 202415,475
August 202414,171
July 202412,149
June 202411,099
May 202412,426
April 202412,911
March 202412,354
February 20248,772
January 20247,175
December 20236,136

By kind of debt

By state

All states →

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