Observing the Sabbath.Automated billing pauses in observance until sundown; any charge simply resumes afterward. Your protection and reports keep right on going.
◆ Alpha CovenantPull a Record

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

MD — debt collection, the record where you live.

Card
6,239
complaints from MD residents, last 12 months
+8.2%
vs the 12 months before (5,766)
156
still sitting in progress (2 yrs)
Printed copies carry the source links and the time pulled (2026-10-24 17:02 UTC); the live record may have changed since.Archive hash of 2026-10-23: 3ac63c3243ef1be4…

My State, Monthly · free

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

Where MD 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 LLC420
  2. Resurgent Capital Services L.P.419
  3. ENCORE CAPITAL GROUP INC.353
  4. Portfolio Recovery Associates, LLC317
  5. Experian Information Solutions Inc.292
  6. TRANSUNION INTERMEDIATE HOLDINGS, INC.244
  7. EQUIFAX, INC.206
  8. CCS Financial Services, Inc.170
  9. National Credit Systems,Inc.153
  10. TRANSWORLD SYSTEMS INC137
  11. FAIR COLLECTIONS & OUTSOURCING, INC.130
  12. CAINE & WEINER COMPANY, INC.109

Companies with the most open files here

  1. Experian Information Solutions Inc.42
  2. Portfolio Recovery Associates, LLC19
  3. TRANSUNION INTERMEDIATE HOLDINGS, INC.16
  4. Kriya Capital, LLC15
  5. National Credit Systems,Inc.6
  6. SYNCHRONY FINANCIAL6
  7. ENCORE CAPITAL GROUP INC.5
  8. FAIR COLLECTIONS & OUTSOURCING, INC.5

What people here complain about

  1. Attempts to collect debt not owed2,437
  2. Took or threatened to take negative or legal action1,440
  3. Written notification about debt1,145
  4. False statements or representation922
  5. Communication tactics162
  6. Electronic communications87
  7. Threatened to contact someone or share information improperly46

Which products

  1. Credit reporting or other personal consumer reports140,636
  2. Debt collection6,239
  3. Checking or savings account1,957
  4. Credit card1,854
  5. Mortgage1,053
  6. Money transfer, virtual currency, or money service841

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.