States › New York › Debt or credit management
Who in New York 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 York consumers filed 195 complaints under “Debt or credit management” in the 12 months to 1 Oct 2026, about level with the 205 of the 12 months before. That is 1.00 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. 11.2% of closed complaints ended with monetary or non-monetary relief (15.6% nationally) and 90.3% of responses were timely.
Companies with the most Debt or credit management complaints from New York, with their size
Ordered by complaints from New York consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NY, 12 months | Share | Company size |
|---|---|---|---|
| Consumer Financial Services Solutions, Inc. | 13 | 6.7% | no public measure |
| ENCORE CAPITAL GROUP INC. | 11 | 5.6% | no public measure |
| FREEDOM FINANCIAL NETWORK | 7 | 3.6% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 7 | 3.6% | no public measure |
| The J. G. Wentworth Company | 7 | 3.6% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 7 | 3.6% | $2.65tn assets |
| Experian Information Solutions Inc. | 7 | 3.6% | no public measure |
| JPMORGAN CHASE & CO. | 7 | 3.6% | $4.09tn assets |
| NATIONAL DEBT RELIEF LLC | 6 | 3.1% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 5 | 2.6% | $662bn assets |
| All other companies, including those not listed by name | 118 | 60.5% | — |
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 10 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 | 65 | 33.3% |
| Problem with customer service | 35 | 17.9% |
| Charged upfront or unexpected fees | 30 | 15.4% |
| Confusing or missing disclosures | 27 | 13.8% |
| Unauthorized withdrawals or charges | 20 | 10.3% |
| Confusing or misleading advertising or marketing | 18 | 9.2% |
How companies responded
- Closed with explanation159 · 81.5%
- Closed with non-monetary relief11 · 5.6%
- Closed with monetary relief10 · 5.1%
- In progress8 · 4.1%
- All other categories7 · 3.6%
| Measure | New York, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1.00 | 1.20 |
| Closed with monetary or non-monetary relief | 11.2% | 15.6% |
| Responses marked timely | 90.3% | 91.4% |
Trend
Other products in New York
Credit reporting or other personal consumer reports · 316,789Debt collection · 11,649Credit card · 7,452Checking or savings account · 6,733Money transfer, virtual currency, or money service · 2,522Mortgage · 1,374Student loan · 1,179Vehicle loan or lease · 1,135
Questions and answers
How many Debt or credit management complaints come from New York?
195 in the 12 months to 1 Oct 2026, 205 in the 12 months before and 526 since 2011.
Is that high for the population?
1.00 per 100,000 residents in New York against 1.20 nationally.
Which issues come up most?
“Didn't provide services promised” (33.3%), “Problem with customer service” (17.9%), “Charged upfront or unexpected fees” (15.4%), “Confusing or missing disclosures” (13.8%).
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 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.