States › South Carolina › Debt collection
Who in South Carolina 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.
South Carolina consumers filed 12,337 complaints under “Debt collection” in the 12 months to 30 Sep 2026, up 114% on the 5,769 of the 12 months before. That is 222 per 100,000 residents, above the national 92.8.
The category makes up 6.7% of the state's complaints, against 4.6% nationally. 23.3% of closed complaints ended with monetary or non-monetary relief (22.7% nationally) and 97% of responses were timely.
Companies with the most Debt collection complaints from South Carolina, with their size
Ordered by complaints from South Carolina consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from SC, 12 months | Share | Company size |
|---|---|---|---|
| CL Holdings LLC | 1,180 | 9.6% | no public measure |
| ENCORE CAPITAL GROUP INC. | 611 | 5% | no public measure |
| Portfolio Recovery Associates, LLC | 567 | 4.6% | no public measure |
| Resurgent Capital Services L.P. | 451 | 3.7% | no public measure |
| CCS Financial Services, Inc. | 367 | 3% | no public measure |
| Spring Oaks Capital, LLC | 360 | 2.9% | no public measure |
| National Credit Systems,Inc. | 310 | 2.5% | no public measure |
| I.C. System, Inc. | 257 | 2.1% | no public measure |
| CAINE & WEINER COMPANY, INC. | 253 | 2.1% | no public measure |
| Self Financial Inc. | 235 | 1.9% | no public measure |
| Kriya Capital, LLC | 232 | 1.9% | no public measure |
| World Acceptance Corporation | 232 | 1.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 223 | 1.8% | no public measure |
| NAVY FEDERAL CREDIT UNION | 185 | 1.5% | $204bn assets |
| Experian Information Solutions Inc. | 183 | 1.5% | no public measure |
| National Credit Adjusters, LLC | 171 | 1.4% | no public measure |
| EQUIFAX, INC. | 171 | 1.4% | no public measure |
| Bread Financial Holdings, Inc. | 170 | 1.4% | $21bn assets |
| Affirm Holdings, Inc | 160 | 1.3% | no public measure |
| V and H Portfolio | 132 | 1.1% | no public measure |
| All other companies, including those not listed by name | 5,887 | 47.7% | — |
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 |
|---|---|---|
| Attempts to collect debt not owed | 7,818 | 63.4% |
| Written notification about debt | 1,761 | 14.3% |
| Took or threatened to take negative or legal action | 1,427 | 11.6% |
| False statements or representation | 1,003 | 8.1% |
| Communication tactics | 195 | 1.6% |
| Electronic communications | 75 | 0.6% |
| Threatened to contact someone or share information improperly | 58 | 0.5% |
How companies responded
- Closed with explanation9,085 · 73.6%
- Closed with non-monetary relief2,827 · 22.9%
- Untimely response228 · 1.8%
- In progress188 · 1.5%
- All other categories9 · 0.1%
| Measure | South Carolina, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 222 | 92.8 |
| Closed with monetary or non-monetary relief | 23.3% | 22.7% |
| Responses marked timely | 97% | 96.5% |
Trend
Other products in South Carolina
Credit reporting or other personal consumer reports · 165,598Checking or savings account · 1,282Credit card · 1,205Money transfer, virtual currency, or money service · 640Mortgage · 632Vehicle loan or lease · 443Student loan · 384Payday loan, title loan, personal loan, or advance loan · 382
Questions and answers
How many Debt collection complaints come from South Carolina?
12,337 in the 12 months to 30 Sep 2026, 5,769 in the 12 months before and 30,368 since 2011.
Is that high for the population?
222 per 100,000 residents in South Carolina against 92.8 nationally.
Which issues come up most?
“Attempts to collect debt not owed” (63.4%), “Written notification about debt” (14.3%), “Took or threatened to take negative or legal action” (11.6%), “False statements or representation” (8.1%).
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.