States › California › Debt or credit management
Who in California is complaining aboutDebt or credit management?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
California consumers filed 463 complaints under “Debt or credit management” in the 12 months to 1 Oct 2026, up 29% on the 360 of the 12 months before. That is 1.20 per 100,000 residents, close to the national 1.20.
The category makes up 0.1% of the state's complaints, against 0.1% nationally. 17% of closed complaints ended with monetary or non-monetary relief (15.6% nationally) and 90.9% of responses were timely.
Companies with the most Debt or credit management complaints from California, with their size
Ordered by complaints from California consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from CA, 12 months | Share | Company size |
|---|---|---|---|
| Experian Information Solutions Inc. | 36 | 7.8% | no public measure |
| NATIONAL DEBT RELIEF LLC | 32 | 6.9% | no public measure |
| EQUIFAX, INC. | 27 | 5.8% | no public measure |
| Consumer Financial Services Solutions, Inc. | 22 | 4.8% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 19 | 4.1% | no public measure |
| ENCORE CAPITAL GROUP INC. | 14 | 3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 11 | 2.4% | $662bn assets |
| LEXISNEXIS | 11 | 2.4% | no public measure |
| ClearOne Advantage, LLC | 11 | 2.4% | no public measure |
| Americor Funding, LLC | 9 | 1.9% | no public measure |
| FREEDOM FINANCIAL NETWORK | 8 | 1.7% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 8 | 1.7% | $2.65tn assets |
| Resurgent Capital Services L.P. | 7 | 1.5% | no public measure |
| SYNCHRONY FINANCIAL | 7 | 1.5% | $115bn assets |
| CL Holdings LLC | 7 | 1.5% | no public measure |
| The J. G. Wentworth Company | 6 | 1.3% | no public measure |
| Bread Financial Holdings, Inc. | 6 | 1.3% | $21bn assets |
| WELLS FARGO & COMPANY | 5 | 1.1% | $1.92tn assets |
| Credit Karma, LLC | 5 | 1.1% | no public measure |
| ID Analytics, Inc. | 5 | 1.1% | no public measure |
| All other companies, including those not listed by name | 207 | 44.7% | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 5 of the 20 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Confusing or missing disclosures | 130 | 28.1% |
| Didn't provide services promised | 111 | 24% |
| Problem with customer service | 63 | 13.6% |
| Charged upfront or unexpected fees | 61 | 13.2% |
| Unauthorized withdrawals or charges | 56 | 12.1% |
| Confusing or misleading advertising or marketing | 42 | 9.1% |
How companies responded
- Closed with explanation357 · 77.1%
- Closed with non-monetary relief61 · 13.2%
- Untimely response18 · 3.9%
- Closed with monetary relief16 · 3.5%
- All other categories11 · 2.4%
| Measure | California, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1.20 | 1.20 |
| Closed with monetary or non-monetary relief | 17% | 15.6% |
| Responses marked timely | 90.9% | 91.4% |
Trend
Other products in California
Credit reporting or other personal consumer reports · 568,797Debt collection · 27,438Credit card · 14,491Checking or savings account · 11,828Money transfer, virtual currency, or money service · 4,656Mortgage · 3,872Vehicle loan or lease · 2,757Payday loan, title loan, personal loan, or advance loan · 2,119
Questions and answers
How many Debt or credit management complaints come from California?
463 in the 12 months to 1 Oct 2026, 360 in the 12 months before and 1,026 since 2011.
Is that high for the population?
1.20 per 100,000 residents in California against 1.20 nationally.
Which issues come up most?
“Confusing or missing disclosures” (28.1%), “Didn't provide services promised” (24%), “Problem with customer service” (13.6%), “Charged upfront or unexpected fees” (13.2%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.