Total CFPB complaints
26
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 26 complaints
Collection at Law, Inc. A.P.C. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Collection at Law, Inc. A.P.C.
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
7 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
C
Grade C · 64.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Collection at Law, Inc. A.P.C.?
Collection at Law, Inc. A.P.C. has accumulated 26 total CFPB complaints across 4 states, with 7 filed in the most recent 12 months against 19 historical complaints before that window. The trailing-12-month volume represents 26.9% 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 "Took or threatened to take negative or legal action", narrowing to "Sued you without properly notifying you of lawsuit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 20% 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 4 states, led by California with 22 and Michigan with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.3/100 places Collection at Law, Inc. A.P.C. 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
7
26.9% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
64.3/100 composite
Response-quality profile
How Collection at Law, Inc. A.P.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Collection at Law, Inc. A.P.C. compare to its peers?
Collection at Law, Inc… 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)
2015-11 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action7 (%)
Attempts to collect debt not owed9 (%)
Disclosure verification of debt2 (%)
Cont'd attempts collect debt not owed2 (%)
Threatened to contact someone or share information improperly1 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against Collection at Law, Inc. A.P.C. come from?
The states where consumers have filed the most CFPB complaints against Collection at Law, Inc. A.P.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Collection at Law, Inc. A.P.C.
Across 4 states with at least one filing
- California
California
22 complaints
- Michigan 1
Michigan
1 complaints
- Georgia 1
Georgia
1 complaints
- Massachusetts 1
Massachusetts
1 complaints
Frequently Asked Questions
What is the most common complaint against Collection at Law, Inc. A.P.C.? ▼
The most common issue consumers report about Collection at Law, Inc. A.P.C. is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 26 complaints filed with the CFPB.
Are complaints against Collection at Law, Inc. A.P.C. increasing or decreasing? ▼
Complaints against Collection at Law, Inc. A.P.C. are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Collection at Law, Inc. A.P.C.'s reputation grade? ▼
Collection at Law, Inc. A.P.C. has a reputation grade of C (score: 64.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Collection at Law, Inc. A.P.C. respond to consumer complaints? ▼
Collection at Law, Inc. A.P.C. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Collection at Law, Inc. A.P.C. operate? ▼
Collection at Law, Inc. A.P.C. has received CFPB complaints from consumers in 4 states, with the most complaints from California (22 complaints).
What can I do if Collection at Law, Inc. A.P.C. 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 at Law, Inc. A.P.C. 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 |