◆ Alpha CovenantPull a Record

Your community's record · from the CFPB database · Debt collection

AL — debt collection, the record where you live.

Card
All productsCredit reportingDebt collectionMortgageCredit cardsBankingAuto & personal loansStudent loansMoney transfer & crypto
8,068
complaints from AL residents, last 12 months
+54.8%
vs the 12 months before (5,212)
186
still sitting in progress (2 yrs)
Printed copies carry the source links and the time pulled (2026-10-25 00:47 UTC); the live record may have changed since.Archive hash of 2026-10-24: bd10f00c4bd50d53… · OpenTimestamps proof available

My State, Monthly · free

Get AL's record on the first business day of every month.

Where AL ranks, what's escalating, the county closest to home, and which companies actually improved. Public figures only. One email a month, one-click unsubscribe, your address is never sold.

Want one email the day a specific company's record changes? Watch a record — free family cabinet, or Record Monitor by list size.

Most complained-about companies here

  1. CL Holdings LLC1,137
  2. Portfolio Recovery Associates, LLC460
  3. ENCORE CAPITAL GROUP INC.438
  4. Resurgent Capital Services L.P.360
  5. I.C. System, Inc.350
  6. National Credit Adjusters, LLC264
  7. Kriya Capital, LLC263
  8. CCS Financial Services, Inc.262
  9. Spring Oaks Capital, LLC255
  10. National Credit Systems,Inc.170
  11. TRANSUNION INTERMEDIATE HOLDINGS, INC.165
  12. Experian Information Solutions Inc.157

Companies with the most open files here

  1. National Credit Adjusters, LLC45
  2. Kriya Capital, LLC36
  3. Portfolio Recovery Associates, LLC20
  4. Experian Information Solutions Inc.16
  5. TRANSUNION INTERMEDIATE HOLDINGS, INC.10
  6. SYNCHRONY FINANCIAL8
  7. ENCORE CAPITAL GROUP INC.6
  8. National Credit Systems,Inc.5

What people here complain about

  1. Attempts to collect debt not owed4,794
  2. Written notification about debt1,104
  3. Took or threatened to take negative or legal action960
  4. False statements or representation871
  5. Communication tactics172
  6. Electronic communications103
  7. Threatened to contact someone or share information improperly64

Which products

  1. Credit reporting or other personal consumer reports198,689
  2. Debt collection8,068
  3. Checking or savings account1,077
  4. Credit card832
  5. Money transfer, virtual currency, or money service618
  6. Mortgage480

CFPB complaints about debt collection products filed by consumers whose address is in this state. Counts scale with population and company size; they are not findings.

Source: Alpha Covenant Holdings, from the CFPB Consumer Complaint Database. Free to reprint with attribution and a link. · CFPB source

No tracking cookies; we count visits ourselves, in aggregate. Policy.