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

CFPB complaint data Grade C 115 complaints

Business & Professional Collection Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade C.

Complaints by issue type

What consumers report about Business & Professional Collection Service Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Business & Professional Collection Service Inc ranks ahead of 54% of the 5,283 collectors PlainCollector grades - 46% keep a cleaner CFPB record, on 115 all-time complaints and a 99% timely-response rate.

54th pct
reputation rank of 5,283 graded collectors
115
CFPB complaints, all-time
99%
answered inside the CFPB window
18
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Business & Professional Collection Service Inc?

Business & Professional Collection Service Inc has accumulated 115 total CFPB complaints across 19 states, with 18 filed in the most recent 12 months against 97 historical complaints before that window. The trailing-12-month volume represents 15.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 7% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by Nevada with 76 and California with 12. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Business & Professional Collection Service Inc in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

115

mid-volume (CCDB)

Last 12 months

18

15.7% of all-time complaints

Falling ↓

States active

19

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

7%

low (vertical avg ~19%)

Reputation grade

C

63.5/100 composite

How does Business & Professional Collection Service Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 54th percentile higher than 54% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Business & Professional Collection Service Inc versus the debt-collection vertical average.

Timely response within SLA 99.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 7.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 33.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Business & Professional Collection Service Inc compare to its peers?

How does Business & Professional Collection Service Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Business & Professiona… National average
Complaints (last 12 mo)lower is better
18
22
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
7%
34%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-07 2021-06

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 43
Written notification about debt - 22
Cont'd attempts collect debt not owed - 15
Took or threatened to take negative or legal action - 11
False statements or representation - 10
Communication tactics - 5
Disclosure verification of debt - 4
Electronic communications - 2
Taking/threatening an illegal action - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Business & Professional Collection Service Inc come from?

Business & Professional Collection Service Inc's own per-state count, not a national baseline.

Top states by complaints against Business & Professional Collection Service Inc

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Business & Professional Collection Service Inc contacts you

A grade of C signals how Business & Professional Collection Service Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Business & Professional Collection Service Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Business & Professional Collection Service Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Business & Professional Collection Service Inc? ▼

The most common issue consumers report about Business & Professional Collection Service Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 115 complaints filed with the CFPB.

Are complaints against Business & Professional Collection Service Inc increasing or decreasing? ▼

Complaints against Business & Professional Collection Service Inc are falling. The company received 18 complaints in the last 12 months, showing improvement over prior periods.

What is Business & Professional Collection Service Inc's reputation grade? ▼

Business & Professional Collection Service Inc has a reputation grade of C (score: 63.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Business & Professional Collection Service Inc respond to consumer complaints? ▼

Business & Professional Collection Service Inc has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Business & Professional Collection Service Inc operate? ▼

Business & Professional Collection Service Inc has received CFPB complaints from consumers in 19 states, with the most complaints from Nevada (76 complaints).

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

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.