States › Michigan › Debt collection
Who in Michigan 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.
Michigan consumers filed 6,453 complaints under “Debt collection” in the 12 months to 30 Sep 2026, about level with the 6,441 of the 12 months before. That is 63.7 per 100,000 residents, below the national 92.8.
The category makes up 4.8% of the state's complaints, against 4.6% nationally. 21.6% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 97.3% of responses were timely.
Companies with the most Debt collection complaints from Michigan, with their size
Ordered by complaints from Michigan consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MI, 12 months | Share | Company size |
|---|---|---|---|
| Resurgent Capital Services L.P. | 513 | 7.9% | no public measure |
| CL Holdings LLC | 487 | 7.5% | no public measure |
| ENCORE CAPITAL GROUP INC. | 411 | 6.4% | no public measure |
| Portfolio Recovery Associates, LLC | 298 | 4.6% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 223 | 3.5% | no public measure |
| Experian Information Solutions Inc. | 198 | 3.1% | no public measure |
| EQUIFAX, INC. | 161 | 2.5% | no public measure |
| Kriya Capital, LLC | 160 | 2.5% | no public measure |
| CCS Financial Services, Inc. | 151 | 2.3% | no public measure |
| I.C. System, Inc. | 140 | 2.2% | no public measure |
| CAINE & WEINER COMPANY, INC. | 119 | 1.8% | no public measure |
| National Credit Systems,Inc. | 110 | 1.7% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 109 | 1.7% | $662bn assets |
| TRANSWORLD SYSTEMS INC | 102 | 1.6% | no public measure |
| Radius Global Solutions LLC | 71 | 1.1% | no public measure |
| CREDIT ACCEPTANCE CORPORATION | 68 | 1.1% | no public measure |
| Harris & Harris, Ltd. | 67 | 1% | no public measure |
| National Credit Adjusters, LLC | 60 | 0.9% | no public measure |
| Spring Oaks Capital, LLC | 59 | 0.9% | no public measure |
| Eastern Account Systems of Connecticut, Inc. | 56 | 0.9% | no public measure |
| All other companies, including those not listed by name | 2,890 | 44.8% | — |
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. 1 of the 20 companies in this table has 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 | 2,764 | 42.8% |
| Took or threatened to take negative or legal action | 1,260 | 19.5% |
| False statements or representation | 974 | 15.1% |
| Written notification about debt | 954 | 14.8% |
| Communication tactics | 262 | 4.1% |
| Electronic communications | 147 | 2.3% |
| Threatened to contact someone or share information improperly | 92 | 1.4% |
How companies responded
- Closed with explanation4,814 · 74.6%
- Closed with non-monetary relief1,345 · 20.8%
- In progress176 · 2.7%
- Untimely response108 · 1.7%
- All other categories10 · 0.2%
| Measure | Michigan, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 63.7 | 92.8 |
| Closed with monetary or non-monetary relief | 21.6% | 22.7% |
| Responses marked timely | 97.3% | 96.5% |
Trend
Other products in Michigan
Credit reporting or other personal consumer reports · 118,970Checking or savings account · 2,094Credit card · 1,929Money transfer, virtual currency, or money service · 984Mortgage · 768Vehicle loan or lease · 622Student loan · 574Payday loan, title loan, personal loan, or advance loan · 393
Questions and answers
How many Debt collection complaints come from Michigan?
6,453 in the 12 months to 30 Sep 2026, 6,441 in the 12 months before and 27,870 since 2011.
Is that high for the population?
63.7 per 100,000 residents in Michigan against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (42.8%), “Took or threatened to take negative or legal action” (19.5%), “False statements or representation” (15.1%), “Written notification about debt” (14.8%).
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.