States › Kentucky › Debt collection
Who in Kentucky 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.
Kentucky consumers filed 1,609 complaints under “Debt collection” in the 12 months to 30 Sep 2026, up 22% on the 1,314 of the 12 months before. That is 34.9 per 100,000 residents, below the national 92.8.
The category makes up 6.1% of the state's complaints, against 4.6% nationally. 20.9% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 96% of responses were timely.
Companies with the most Debt collection complaints from Kentucky, with their size
Ordered by complaints from Kentucky consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from KY, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 114 | 7.1% | no public measure |
| ENCORE CAPITAL GROUP INC. | 106 | 6.6% | no public measure |
| Resurgent Capital Services L.P. | 95 | 5.9% | no public measure |
| Portfolio Recovery Associates, LLC | 62 | 3.9% | no public measure |
| Kriya Capital, LLC | 46 | 2.9% | no public measure |
| I.C. System, Inc. | 42 | 2.6% | no public measure |
| National Credit Systems,Inc. | 41 | 2.5% | no public measure |
| CCS Financial Services, Inc. | 38 | 2.4% | no public measure |
| EQUIFAX, INC. | 33 | 2.1% | no public measure |
| GLA Collection Company, Inc. | 31 | 1.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 29 | 1.8% | no public measure |
| SYNCHRONY FINANCIAL | 27 | 1.7% | $115bn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 26 | 1.6% | $662bn assets |
| Spring Oaks Capital, LLC | 25 | 1.6% | no public measure |
| Experian Information Solutions Inc. | 23 | 1.4% | no public measure |
| TRANSWORLD SYSTEMS INC | 20 | 1.2% | no public measure |
| CITIBANK, N.A. | 20 | 1.2% | $1.98tn assets |
| Credit Bureau Systems, Inc., Paducah, KY Branch | 18 | 1.1% | no public measure |
| TrueAccord Corp. | 16 | 1% | no public measure |
| Aargon Agency, Inc. | 16 | 1% | no public measure |
| All other companies, including those not listed by name | 781 | 48.5% | — |
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. 3 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 | 576 | 35.8% |
| Took or threatened to take negative or legal action | 362 | 22.5% |
| False statements or representation | 285 | 17.7% |
| Written notification about debt | 226 | 14% |
| Communication tactics | 92 | 5.7% |
| Electronic communications | 55 | 3.4% |
| Threatened to contact someone or share information improperly | 13 | 0.8% |
How companies responded
- Closed with explanation1,201 · 74.6%
- Closed with non-monetary relief326 · 20.3%
- Untimely response47 · 2.9%
- In progress32 · 2%
- All other categories3 · 0.2%
| Measure | Kentucky, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 34.9 | 92.8 |
| Closed with monetary or non-monetary relief | 20.9% | 22.7% |
| Responses marked timely | 96% | 96.5% |
Trend
Other products in Kentucky
Credit reporting or other personal consumer reports · 22,301Checking or savings account · 655Credit card · 597Money transfer, virtual currency, or money service · 309Mortgage · 260Vehicle loan or lease · 200Payday loan, title loan, personal loan, or advance loan · 177Student loan · 171
Questions and answers
How many Debt collection complaints come from Kentucky?
1,609 in the 12 months to 30 Sep 2026, 1,314 in the 12 months before and 7,501 since 2011.
Is that high for the population?
34.9 per 100,000 residents in Kentucky against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (35.8%), “Took or threatened to take negative or legal action” (22.5%), “False statements or representation” (17.7%), “Written notification about debt” (14%).
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.