By kind of debt · data through November 10, 2026

Payday loan debt collectors

Payday and online installment lenders often send defaulted loans to collectors quickly, sometimes several times over.

Complaints, last 12 months: 2,869; up 7% from the year before
Last 3 years: 7,355
Most common complaint: Collecting a debt the person says they don't owe (30%)

Before you pay payday loan debt

Some states ban or cap payday loans. If the lender wasn’t licensed in your state, the loan may not be collectible there.
You can withdraw permission for a lender to pull money from your bank account. Tell the lender and your bank in writing.
Collectors can’t threaten arrest or criminal charges over an unpaid loan.
Be wary of calls about loans you don’t recognize: fake payday collectors are a common scam.

Time limits: Payday loans are usually covered by the state’s written contract or promissory note limit. Check your state.

3 years

Most complaints, last 12 months

#	Collector	Complaints
1	National Credit Adjusters	558
2	Spring Oaks Capital	237
3	V and H Portfolio	231
4	Jefferson Capital Systems	151
5	Check 'n Go	146
6	BTH Management	138
7	Nationwide Capital Services	134
8	LVNV Funding (Resurgent Capital Services)	125
9	Debt Recovery Solutions	113
10	NCB Management Services	84
11	Spire Recovery Solutions	71
12	Velocity Investments	71
13	Halsted Financial Services	67
14	Consumer Adjustment Company	55
15	Security Credit Services	53
16	Midland Credit Management	52
17	Reel Time Capital	49
18	Starmark Financial	45
19	January	41
20	Portfolio Recovery Associates	41
21	Central Portfolio Control	41
22	Bounce AI	40
23	Leafy Financial	38
24	Global Trust Management	35
25	CNG Holdings	34

Counts only complaints where the person named the debt type, so totals here are lower than on each collector's page.

Faded bar: this month so far. Counted by the date the CFPB received each complaint.

Show the monthly numbers