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

CFPB complaint data Grade C 30 complaints

Collection at Law, Inc. A.P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade C.

Complaints by issue type

What consumers report about Collection at Law, Inc. A.P.C.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record collection-at-law-inc-apc Collection at Law, Inc. A.P.C.

Grade C · 30 CFPB filings · 92% timely · lead issue: Attempts to collect debt not owed

  • VOL 30
  • GRADE C
  • 12MO 8
  • STATES 4
  • TIMELY 92%
  • DISPUTE 20%
  • ISSUE Attempts to collect debt n…
  • RANK #1,532
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Atlantic Collection Agency, Inc. (30 complaints)

Atlantic Collection Agency, Inc.Atlantic Collection Agency, …30Capital Recovery CorporationCapital Recovery Corporation30Credit One LLCCredit One LLC30Firstbank Puerto RicoFirstbank Puerto Rico30Collection at Law, Inc. A.P.C. (this)Collection at Law, Inc. A.P.…30
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Collection at Law, Inc. A.P.C.'s 30 CFPB complaints sit next to Atlantic Collection Agency, 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 →

How the 30 complaints break down

Every complaint issue type on record for Collection at Law, Inc. A.P.C., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.3/100
Collection at Law, Inc. A.P.C.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
30
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

86.7% of Collection at Law, Inc. A.P.C.'s CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 86.7%
26 of 30 filings · 4 states touched
Spike month
2017-08 15.4%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#1,532 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Collection at Law, Inc. A.P.C. compare to its peers?

How does Collection at Law, Inc. A.P.C. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Collection at Law, Inc. A.P.C. National average
Complaints (last 12 mo)lower is better
8
7
268
Timely-response ratehigher is better
92%
97%
91%
Consumer-dispute ratelower is better
20%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Collection at Law, Inc. A.P.C. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) Collection at Law, Inc. A.P.C. vs. 8 similar-volume peers, by response speed and dispute rate Collection at Law, Inc. A.P.C.Capital Recovery CorporationCredit One LLCFIRSTBANK PUERTO RICOGreystone Alliance LLCHIGHLAND FINANCIAL SERVICES (Closed)INTEGRAL RECOVERIES, INC.Jenkins, Wagnon & Young, P.C.Law Office of Linda Strumpf
Source: CFPB Consumer Complaint Database

Collection at Law, Inc. A.P.C.'s complaint volume in context

Collection at Law, Inc. A.P.C. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

30 72nd percentile higher than 72% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Collection at Law, Inc. A.P.C. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2014-09 2025-10

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
9
Took or threatened to take negative or legal action
9
Written notification about debt
2
False statements or representation
2
Communication tactics
2
Cont'd attempts collect debt not owed
2
Disclosure verification of debt
2
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Collection at Law, Inc. A.P.C. come from?

Collection at Law, Inc. A.P.C.'s own per-state count, not a national baseline.

Top states by complaints against Collection at Law, Inc. A.P.C.

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Collection at Law, Inc. A.P.C.: 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: 30.

4 peers

Know your rights before responding to Collection at Law, Inc. A.P.C.: 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.