What is the most common complaint against A & J Collection?

The most common issue consumers report about A & J Collection is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 3 complaints filed with the CFPB.

Are complaints against A & J Collection increasing or decreasing?

Complaints against A & J Collection are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is A & J Collection's reputation grade?

A & J Collection has a reputation grade of F (score: 45.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A & J Collection respond to consumer complaints?

A & J Collection has a 25% timely response rate to CFPB complaints.

In how many states does A & J Collection operate?

A & J Collection has received CFPB complaints from consumers in 2 states, with the most complaints from Puerto Rico (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

A & J Collection - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record a-j-collection A & J Collection

Grade F · 3 CFPB filings · 25% timely · lead issue: Took or threatened to take negative or legal action · vol #3546 · compose #4595

VOL 3
GRADE F
12MO 1
STATES 2
TIMELY 25%
ISSUE Took or threatened to take…
RANK #3,546
COMPOSE #4,595

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

A & J Collection's 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of A & J Collection's CFPB filings land in Puerto Rico

High volume does not equal a clean composite: A & J Collection is volume #3,546 but composite #4,595, while Puerto Rico dominates the geography. Corpus placement method.

Dominant state: Puerto Rico 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2025-09 50.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,546 volume; #4,595 composite; Cleanest-composite ladder is 1,049 places worse than volume

How does A & J Collection compare to its peers?

How does A & J COLLECTION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

A & J COLLECTION National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

25%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-08 2025-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
Attempts to collect debt not owed	1

Where do complaints against A & J Collection come from?

A & J Collection's own per-state count, not a national baseline.

Puerto Rico

2
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A & J Collection: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to A & J Collection: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.