States › New Jersey › Debt or credit management
Who in New Jersey 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.
New Jersey consumers filed 101 complaints under “Debt or credit management” in the 12 months to 30 Sep 2026, down 17% on the 122 of the 12 months before. That is 1.10 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. 11.7% of closed complaints ended with monetary or non-monetary relief (15.6% nationally) and 88.1% of responses were timely.
Companies with the most Debt or credit management complaints from New Jersey, with their size
Ordered by complaints from New Jersey consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NJ, 12 months | Share | Company size |
|---|---|---|---|
| Kikoff Inc. | 5 | 5% | no public measure |
| ENCORE CAPITAL GROUP INC. | 5 | 5% | no public measure |
| All other companies, including those not listed by name | 91 | 90.1% | — |
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. 0 of the 2 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 |
|---|---|---|
| Didn't provide services promised | 25 | 24.8% |
| Confusing or missing disclosures | 19 | 18.8% |
| Charged upfront or unexpected fees | 17 | 16.8% |
| Problem with customer service | 15 | 14.9% |
| Unauthorized withdrawals or charges | 15 | 14.9% |
| Confusing or misleading advertising or marketing | 10 | 9.9% |
How companies responded
- Closed with explanation75 · 74.3%
- Closed with non-monetary relief9 · 8.9%
- Untimely response8 · 7.9%
- In progress7 · 6.9%
- All other categories2 · 2%
| Measure | New Jersey, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1.10 | 1.20 |
| Closed with monetary or non-monetary relief | 11.7% | 15.6% |
| Responses marked timely | 88.1% | 91.4% |
Trend
Other products in New Jersey
Credit reporting or other personal consumer reports · 179,864Debt collection · 7,739Credit card · 3,633Checking or savings account · 3,014Money transfer, virtual currency, or money service · 1,113Mortgage · 1,085Vehicle loan or lease · 755Student loan · 669
Questions and answers
How many Debt or credit management complaints come from New Jersey?
101 in the 12 months to 30 Sep 2026, 122 in the 12 months before and 289 since 2011.
Is that high for the population?
1.10 per 100,000 residents in New Jersey against 1.20 nationally.
Which issues come up most?
“Didn't provide services promised” (24.8%), “Confusing or missing disclosures” (18.8%), “Charged upfront or unexpected fees” (16.8%), “Problem with customer service” (14.9%).
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.