Total CFPB complaints
747
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 747 complaints
Collection Bureau of America Ltd. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Collection Bureau of America Ltd.
- Attempts to collect debt not owed
Attempts to collect debt not owed
295 complaints
- Written notification about debt
Written notification about debt
122 complaints
- Cont'd attempts collect debt not owed 90
Cont'd attempts collect debt not owed
90 complaints
- False statements or representation 68
False statements or representation
68 complaints
- Took or threatened to take negative or legal action 42
Took or threatened to take negative or legal action
42 complaints
- Disclosure verification of debt 32
Disclosure verification of debt
32 complaints
F
Grade F · 48.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Collection Bureau of America Ltd.?
Collection Bureau of America Ltd. has accumulated 747 total CFPB complaints across 42 states, with 130 filed in the most recent 12 months against 617 historical complaints before that window. The trailing-12-month volume represents 17.4% 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 80% 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 42 states, led by California with 325 and Texas with 65, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.8/100 places Collection Bureau of America Ltd. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
130
17.4% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
80%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
F
48.8/100 composite
Response-quality profile
How Collection Bureau of America Ltd. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Collection Bureau of America Ltd. compare to its peers?
Collection Bureau of A… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed295 (%)
Written notification about debt122 (%)
False statements or representation68 (%)
Cont'd attempts collect debt not owed90 (%)
Took or threatened to take negative or legal action42 (%)
Disclosure verification of debt32 (%)
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 | 188 |
| Written notification about debt | Didn't receive enough information to verify debt | 79 |
| False statements or representation | Attempted to collect wrong amount | 68 |
| Cont'd attempts collect debt not owed | Debt is not mine | 59 |
| Attempts to collect debt not owed | Debt was result of identity theft | 55 |
| Attempts to collect debt not owed | Debt was paid | 52 |
| Written notification about debt | Didn't receive notice of right to dispute | 43 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 42 |
| Disclosure verification of debt | Not given enough info to verify debt | 32 |
| Cont'd attempts collect debt not owed | Debt was paid | 31 |
Where do complaints against Collection Bureau of America Ltd. come from?
The states where consumers have filed the most CFPB complaints against Collection Bureau of America Ltd.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Collection Bureau of America Ltd.
Across 42 states with at least one filing
- California
California
325 complaints
- Texas 65
Texas
65 complaints
- Florida 39
Florida
39 complaints
- Georgia 34
Georgia
34 complaints
- Arizona 34
Arizona
34 complaints
- New York 24
New York
24 complaints
- Washington 14
Washington
14 complaints
- Illinois 14
Illinois
14 complaints
Frequently Asked Questions
What is the most common complaint against Collection Bureau of America Ltd.? ▼
The most common issue consumers report about Collection Bureau of America Ltd. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 747 complaints filed with the CFPB.
Are complaints against Collection Bureau of America Ltd. increasing or decreasing? ▼
Complaints against Collection Bureau of America Ltd. are rising. The company received 130 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Collection Bureau of America Ltd.'s reputation grade? ▼
Collection Bureau of America Ltd. has a reputation grade of F (score: 48.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Collection Bureau of America Ltd. respond to consumer complaints? ▼
Collection Bureau of America Ltd. has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.
In how many states does Collection Bureau of America Ltd. operate? ▼
Collection Bureau of America Ltd. has received CFPB complaints from consumers in 42 states, with the most complaints from California (325 complaints).
What can I do if Collection Bureau of America 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 Bureau of America 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 |