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

CFPB complaint data Grade F 771 complaints

Collection Bureau of America Ltd. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade F.

Complaints by issue type

What consumers report about Collection Bureau of America Ltd.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.8/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Collection Bureau of America Ltd. ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 771 all-time complaints and a 80% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
771
CFPB complaints, all-time
80%
answered inside the CFPB window
126
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Collection Bureau of America Ltd.?

Collection Bureau of America Ltd. has accumulated 771 total CFPB complaints across 42 states, with 126 filed in the most recent 12 months against 645 historical complaints before that window. The trailing-12-month volume represents 16.3% 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". The company posts a 80% timely-response rate against a 23% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by California with 331 and Texas with 67. Normalized against the full CFPB collector database, the reputation score of 48.8/100 places Collection Bureau of America Ltd. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

771

mid-volume (CCDB)

Last 12 months

126

16.3% of all-time complaints

Falling ↓

States active

42

multi-region footprint

Timely response rate

80%

acceptable band

Consumer disputes

23%

elevated (vertical avg ~19%)

Reputation grade

F

48.8/100 composite

How does Collection Bureau of America Ltd.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Collection Bureau of America Ltd. versus the debt-collection vertical average.

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) 23.0%
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?

How does Collection Bureau of America Ltd. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Collection Bureau of A… National average
Complaints (last 12 mo)lower is better
126
260
268
Timely-response ratehigher is better
80%
99%
91%
Consumer-dispute ratelower is better
23%
5%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 309
Written notification about debt - 134
Cont'd attempts collect debt not owed - 101
False statements or representation - 81
Took or threatened to take negative or legal action - 47
Communication tactics - 44
Disclosure verification of debt - 41
Threatened to contact someone or share information improperly - 5
Improper contact or sharing of info - 5
Electronic communications - 3

Where do complaints against Collection Bureau of America Ltd. come from?

Collection Bureau of America Ltd.'s own per-state count, not a national baseline.

Top states by complaints against Collection Bureau of America Ltd.

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Collection Bureau of America Ltd. contacts you

A grade of F signals how Collection Bureau of America Ltd.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Collection Bureau of America Ltd. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Collection Bureau of America Ltd. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 771 complaints filed with the CFPB.

Are complaints against Collection Bureau of America Ltd. increasing or decreasing? ▼

Complaints against Collection Bureau of America Ltd. are falling. The company received 126 complaints in the last 12 months, showing improvement over prior periods.

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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (331 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.