States › Virginia › Debt or credit management
Who in Virginia 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.
Virginia consumers filed 105 complaints under “Debt or credit management” in the 12 months to 30 Sep 2026, up 14% on the 92 of the 12 months before. That is 1.20 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. 16.3% of closed complaints ended with monetary or non-monetary relief (15.6% nationally) and 93.3% of responses were timely.
Companies with the most Debt or credit management complaints from Virginia, with their size
Ordered by complaints from Virginia consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from VA, 12 months | Share | Company size |
|---|---|---|---|
| NATIONAL DEBT RELIEF LLC | 7 | 6.7% | no public measure |
| ENCORE CAPITAL GROUP INC. | 5 | 4.8% | no public measure |
| All other companies, including those not listed by name | 93 | 88.6% | — |
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 | 29 | 27.6% |
| Unauthorized withdrawals or charges | 20 | 19% |
| Confusing or misleading advertising or marketing | 15 | 14.3% |
| Problem with customer service | 14 | 13.3% |
| Charged upfront or unexpected fees | 14 | 13.3% |
| Confusing or missing disclosures | 13 | 12.4% |
How companies responded
- Closed with explanation80 · 76.2%
- Closed with non-monetary relief9 · 8.6%
- Closed with monetary relief7 · 6.7%
- In progress7 · 6.7%
- All other categories2 · 1.9%
| Measure | Virginia, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 1.20 | 1.20 |
| Closed with monetary or non-monetary relief | 16.3% | 15.6% |
| Responses marked timely | 93.3% | 91.4% |
Trend
Other products in Virginia
Credit reporting or other personal consumer reports · 102,817Debt collection · 6,319Credit card · 2,719Checking or savings account · 2,113Money transfer, virtual currency, or money service · 985Mortgage · 981Vehicle loan or lease · 649Student loan · 577
Questions and answers
How many Debt or credit management complaints come from Virginia?
105 in the 12 months to 30 Sep 2026, 92 in the 12 months before and 252 since 2011.
Is that high for the population?
1.20 per 100,000 residents in Virginia against 1.20 nationally.
Which issues come up most?
“Didn't provide services promised” (27.6%), “Unauthorized withdrawals or charges” (19%), “Confusing or misleading advertising or marketing” (14.3%), “Problem with customer service” (13.3%).
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.