Total CFPB complaints
235
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 235 complaints
BYL Collection Services — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BYL Collection Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
76 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
41 complaints
- Written notification about debt
Written notification about debt
34 complaints
- Disclosure verification of debt
Disclosure verification of debt
34 complaints
- False statements or representation 23
False statements or representation
23 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about BYL Collection Services?
BYL Collection Services has accumulated 235 total CFPB complaints across 35 states, with 6 filed in the most recent 12 months against 229 historical complaints before that window. The trailing-12-month volume represents 2.6% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 23% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 35 states, led by Delaware with 58 and California with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places BYL Collection Services in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
2.6% of total history
Falling ↓
States active
35
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How BYL Collection Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 45.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 62.5%
Share of US states + territories with at least one filed complaint against this collector.
How does BYL Collection Services compare to its peers?
BYL Collection Service… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-05 2025-11
Top Consumer Issues
Attempts to collect debt not owed76 (%)
Written notification about debt34 (%)
Disclosure verification of debt34 (%)
False statements or representation23 (%)
Cont'd attempts collect debt not owed41 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 43 |
| Written notification about debt | Didn't receive enough information to verify debt | 25 |
| Disclosure verification of debt | Not given enough info to verify debt | 24 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Cont'd attempts collect debt not owed | Debt is not mine | 22 |
| Cont'd attempts collect debt not owed | Debt was paid | 19 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 15 |
| Disclosure verification of debt | Right to dispute notice not received | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
Where do complaints against BYL Collection Services come from?
The states where consumers have filed the most CFPB complaints against BYL Collection Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BYL Collection Services
Across 35 states with at least one filing
- Delaware
Delaware
58 complaints
- California 23
California
23 complaints
- Nevada 23
Nevada
23 complaints
- Texas 16
Texas
16 complaints
- Arizona 14
Arizona
14 complaints
- Louisiana 11
Louisiana
11 complaints
- Pennsylvania 11
Pennsylvania
11 complaints
- Florida 11
Florida
11 complaints
Frequently Asked Questions
What is the most common complaint against BYL Collection Services? ▼
The most common issue consumers report about BYL Collection Services is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 235 complaints filed with the CFPB.
Are complaints against BYL Collection Services increasing or decreasing? ▼
Complaints against BYL Collection Services are falling. The company received 6 complaints in the last 12 months, showing improvement over prior periods.
What is BYL Collection Services's reputation grade? ▼
BYL Collection Services has a reputation grade of D (score: 57.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does BYL Collection Services respond to consumer complaints? ▼
BYL Collection Services has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.
In how many states does BYL Collection Services operate? ▼
BYL Collection Services has received CFPB complaints from consumers in 35 states, with the most complaints from Delaware (58 complaints).
What can I do if BYL Collection Services is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If BYL Collection Services violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |