States › Idaho › Debt collection
Who in Idaho 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.
Idaho consumers filed 606 complaints under “Debt collection” in the 12 months to 30 Sep 2026, up 52% on the 400 of the 12 months before. That is 29.9 per 100,000 residents, below the national 92.8.
The category makes up 10.2% of the state's complaints, against 4.6% nationally. 17.6% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 92.9% of responses were timely.
Companies with the most Debt collection complaints from Idaho, with their size
Ordered by complaints from Idaho consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from ID, 12 months | Share | Company size |
|---|---|---|---|
| Portfolio Recovery Associates, LLC | 43 | 7.1% | no public measure |
| Resurgent Capital Services L.P. | 35 | 5.8% | no public measure |
| ENCORE CAPITAL GROUP INC. | 25 | 4.1% | no public measure |
| CL Holdings LLC | 21 | 3.5% | no public measure |
| Bonneville Billing and Collections | 19 | 3.1% | no public measure |
| CCS Financial Services, Inc. | 18 | 3% | no public measure |
| SYNCHRONY FINANCIAL | 14 | 2.3% | $115bn assets |
| Affirm Holdings, Inc | 12 | 2% | no public measure |
| TRANSWORLD SYSTEMS INC | 11 | 1.8% | no public measure |
| EQUIFAX, INC. | 9 | 1.5% | no public measure |
| Action Collection Service | 9 | 1.5% | no public measure |
| Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | 9 | 1.5% | no public measure |
| AMERICAN EXPRESS COMPANY | 9 | 1.5% | $214bn assets |
| Kriya Capital, LLC | 8 | 1.3% | no public measure |
| I.C. System, Inc. | 7 | 1.2% | no public measure |
| Credit Control, LLC | 6 | 1% | no public measure |
| Credit Card Acquisitions Group | 6 | 1% | no public measure |
| Spring Oaks Capital, LLC | 6 | 1% | no public measure |
| Harris & Harris, Ltd. | 6 | 1% | no public measure |
| Experian Information Solutions Inc. | 5 | 0.8% | no public measure |
| All other companies, including those not listed by name | 328 | 54.1% | — |
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. 2 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 |
|---|---|---|
| Took or threatened to take negative or legal action | 186 | 30.7% |
| Attempts to collect debt not owed | 183 | 30.2% |
| Written notification about debt | 112 | 18.5% |
| False statements or representation | 61 | 10.1% |
| Communication tactics | 32 | 5.3% |
| Threatened to contact someone or share information improperly | 18 | 3% |
| Electronic communications | 14 | 2.3% |
How companies responded
- Closed with explanation465 · 76.7%
- Closed with non-monetary relief102 · 16.8%
- Untimely response26 · 4.3%
- In progress10 · 1.7%
- All other categories3 · 0.5%
| Measure | Idaho, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 29.9 | 92.8 |
| Closed with monetary or non-monetary relief | 17.6% | 22.7% |
| Responses marked timely | 92.9% | 96.5% |
Trend
Other products in Idaho
Credit reporting or other personal consumer reports · 4,295Credit card · 317Checking or savings account · 243Money transfer, virtual currency, or money service · 143Mortgage · 130Student loan · 71Payday loan, title loan, personal loan, or advance loan · 67Vehicle loan or lease · 57
Questions and answers
How many Debt collection complaints come from Idaho?
606 in the 12 months to 30 Sep 2026, 400 in the 12 months before and 2,698 since 2011.
Is that high for the population?
29.9 per 100,000 residents in Idaho against 92.8 nationally.
Which issues come up most?
“Took or threatened to take negative or legal action” (30.7%), “Attempts to collect debt not owed” (30.2%), “Written notification about debt” (18.5%), “False statements or representation” (10.1%).
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 30 Sep 2026, complaints received through 30 Sep 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.