Total CFPB complaints
82
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 82 complaints
COLLECTION ASSOCIATES, LTD. — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about COLLECTION ASSOCIATES, LTD.
- Attempts to collect debt not owed
Attempts to collect debt not owed
32 complaints
- Written notification about debt
Written notification about debt
17 complaints
- False statements or representation 12
False statements or representation
12 complaints
- Communication tactics 5
Communication tactics
5 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 61.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about COLLECTION ASSOCIATES, LTD.?
COLLECTION ASSOCIATES, LTD. has accumulated 82 total CFPB complaints across 20 states, with 18 filed in the most recent 12 months against 64 historical complaints before that window. The trailing-12-month volume represents 22.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 98% timely-response rate against a 18% 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 20 states, led by Wisconsin with 16 and Ohio with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.2/100 places COLLECTION ASSOCIATES, LTD. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
22.0% of total history
Rising ↑
States active
20
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
C
61.2/100 composite
Response-quality profile
How COLLECTION ASSOCIATES, LTD. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 36.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does COLLECTION ASSOCIATES, LTD. compare to its peers?
COLLECTION ASSOCIATES,… 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)
2023-04 2026-02
Top Consumer Issues
Attempts to collect debt not owed32 (%)
False statements or representation12 (%)
Written notification about debt17 (%)
Communication tactics5 (%)
Took or threatened to take negative or legal action3 (%)
Disclosure verification of debt2 (%)
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 | 23 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against COLLECTION ASSOCIATES, LTD. come from?
The states where consumers have filed the most CFPB complaints against COLLECTION ASSOCIATES, LTD.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against COLLECTION ASSOCIATES, LTD.
Across 20 states with at least one filing
- Wisconsin
Wisconsin
16 complaints
- Ohio
Ohio
13 complaints
- Missouri
Missouri
8 complaints
- Florida
Florida
7 complaints
- Illinois
Illinois
7 complaints
- Tennessee 5
Tennessee
5 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- Georgia 4
Georgia
4 complaints
Frequently Asked Questions
What is the most common complaint against COLLECTION ASSOCIATES, LTD.? ▼
The most common issue consumers report about COLLECTION ASSOCIATES, LTD. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 82 complaints filed with the CFPB.
Are complaints against COLLECTION ASSOCIATES, LTD. increasing or decreasing? ▼
Complaints against COLLECTION ASSOCIATES, LTD. are rising. The company received 18 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is COLLECTION ASSOCIATES, LTD.'s reputation grade? ▼
COLLECTION ASSOCIATES, LTD. has a reputation grade of C (score: 61.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does COLLECTION ASSOCIATES, LTD. respond to consumer complaints? ▼
COLLECTION ASSOCIATES, LTD. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.
In how many states does COLLECTION ASSOCIATES, LTD. operate? ▼
COLLECTION ASSOCIATES, LTD. has received CFPB complaints from consumers in 20 states, with the most complaints from Wisconsin (16 complaints).
What can I do if COLLECTION ASSOCIATES, LTD. 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 COLLECTION ASSOCIATES, LTD. 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 |