States › Florida › Debt collection
Who in Florida is complaining aboutDebt collection?
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.
Florida consumers filed 34,720 complaints under “Debt collection” in the 12 months to 1 Oct 2026, up 24% on the 27,937 of the 12 months before. That is 148 per 100,000 residents, above the national 92.8.
The category makes up 3.5% of the state's complaints, against 4.6% nationally. 22.5% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 97.2% of responses were timely.
Companies with the most Debt collection complaints from Florida, with their size
Ordered by complaints from Florida consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from FL, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 2,452 | 7.1% | no public measure |
| ENCORE CAPITAL GROUP INC. | 2,265 | 6.5% | no public measure |
| Resurgent Capital Services L.P. | 2,182 | 6.3% | no public measure |
| Portfolio Recovery Associates, LLC | 2,032 | 5.9% | no public measure |
| CCS Financial Services, Inc. | 1,334 | 3.8% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 1,086 | 3.1% | no public measure |
| EQUIFAX, INC. | 1,005 | 2.9% | no public measure |
| Experian Information Solutions Inc. | 997 | 2.9% | no public measure |
| I.C. System, Inc. | 827 | 2.4% | no public measure |
| CAINE & WEINER COMPANY, INC. | 766 | 2.2% | no public measure |
| Kriya Capital, LLC | 743 | 2.1% | no public measure |
| National Credit Systems,Inc. | 713 | 2.1% | no public measure |
| Spring Oaks Capital, LLC | 396 | 1.1% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 392 | 1.1% | $662bn assets |
| TRANSWORLD SYSTEMS INC | 355 | 1% | no public measure |
| Bread Financial Holdings, Inc. | 348 | 1% | $21bn assets |
| JPMORGAN CHASE & CO. | 329 | 0.9% | $4.09tn assets |
| CITIBANK, N.A. | 313 | 0.9% | $1.98tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 312 | 0.9% | $2.65tn assets |
| SYNCHRONY FINANCIAL | 300 | 0.9% | $115bn assets |
| All other companies, including those not listed by name | 15,573 | 44.9% | — |
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. 6 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 |
|---|---|---|
| Attempts to collect debt not owed | 16,595 | 47.8% |
| Took or threatened to take negative or legal action | 7,439 | 21.4% |
| Written notification about debt | 5,659 | 16.3% |
| False statements or representation | 3,465 | 10% |
| Communication tactics | 867 | 2.5% |
| Electronic communications | 425 | 1.2% |
| Threatened to contact someone or share information improperly | 270 | 0.8% |
How companies responded
- Closed with explanation25,820 · 74.4%
- Closed with non-monetary relief7,647 · 22%
- In progress621 · 1.8%
- Untimely response600 · 1.7%
- All other categories32 · 0.1%
| Measure | Florida, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 148 | 92.8 |
| Closed with monetary or non-monetary relief | 22.5% | 22.7% |
| Responses marked timely | 97.2% | 96.5% |
Trend
Other products in Florida
Credit reporting or other personal consumer reports · 919,055Credit card · 9,689Checking or savings account · 8,681Mortgage · 3,349Money transfer, virtual currency, or money service · 3,309Vehicle loan or lease · 3,107Payday loan, title loan, personal loan, or advance loan · 1,924Student loan · 1,506
Questions and answers
How many Debt collection complaints come from Florida?
34,720 in the 12 months to 1 Oct 2026, 27,937 in the 12 months before and 131,319 since 2011.
Is that high for the population?
148 per 100,000 residents in Florida against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (47.8%), “Took or threatened to take negative or legal action” (21.4%), “Written notification about debt” (16.3%), “False statements or representation” (10%).
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.