Total CFPB complaints
235
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 235 complaints
Collection Bureau of Fort Walton Beach, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 24 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 Fort Walton Beach, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
90 complaints
- Written notification about debt
Written notification about debt
58 complaints
- False statements or representation
False statements or representation
36 complaints
- Took or threatened to take negative or legal action 17
Took or threatened to take negative or legal action
17 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
D
Grade D · 57.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Collection Bureau of Fort Walton Beach, Inc?
Collection Bureau of Fort Walton Beach, Inc has accumulated 235 total CFPB complaints across 24 states, with 37 filed in the most recent 12 months against 198 historical complaints before that window. The trailing-12-month volume represents 15.7% 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 92% timely-response rate against a 14% 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 24 states, led by Florida with 92 and Alabama with 27, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places Collection Bureau of Fort Walton Beach, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
37
15.7% of total history
Rising ↑
States active
24
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
57.1/100 composite
Response-quality profile
How Collection Bureau of Fort Walton Beach, Inc 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) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Collection Bureau of Fort Walton Beach, Inc compare to its peers?
Collection Bureau of F… 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)
2023-08 2026-02
Top Consumer Issues
Attempts to collect debt not owed90 (%)
False statements or representation36 (%)
Written notification about debt58 (%)
Took or threatened to take negative or legal action17 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt7 (%)
Communication tactics4 (%)
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 | 54 |
| False statements or representation | Attempted to collect wrong amount | 36 |
| Written notification about debt | Didn't receive enough information to verify debt | 32 |
| Written notification about debt | Didn't receive notice of right to dispute | 26 |
| Attempts to collect debt not owed | Debt was result of identity theft | 19 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 17 |
| Attempts to collect debt not owed | Debt was paid | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
Where do complaints against Collection Bureau of Fort Walton Beach, Inc come from?
The states where consumers have filed the most CFPB complaints against Collection Bureau of Fort Walton Beach, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Collection Bureau of Fort Walton Beach, Inc
Across 24 states with at least one filing
- Florida
Florida
92 complaints
- Alabama 27
Alabama
27 complaints
- Georgia 18
Georgia
18 complaints
- Tennessee 17
Tennessee
17 complaints
- Michigan 14
Michigan
14 complaints
- Mississippi 11
Mississippi
11 complaints
- North Carolina 11
North Carolina
11 complaints
- Texas 10
Texas
10 complaints
Frequently Asked Questions
What is the most common complaint against Collection Bureau of Fort Walton Beach, Inc? ▼
The most common issue consumers report about Collection Bureau of Fort Walton Beach, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 235 complaints filed with the CFPB.
Are complaints against Collection Bureau of Fort Walton Beach, Inc increasing or decreasing? ▼
Complaints against Collection Bureau of Fort Walton Beach, Inc are rising. The company received 37 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Collection Bureau of Fort Walton Beach, Inc's reputation grade? ▼
Collection Bureau of Fort Walton Beach, Inc has a reputation grade of D (score: 57.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Collection Bureau of Fort Walton Beach, Inc respond to consumer complaints? ▼
Collection Bureau of Fort Walton Beach, Inc has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Collection Bureau of Fort Walton Beach, Inc operate? ▼
Collection Bureau of Fort Walton Beach, Inc has received CFPB complaints from consumers in 24 states, with the most complaints from Florida (92 complaints).
What can I do if Collection Bureau of Fort Walton Beach, Inc 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 Fort Walton Beach, Inc 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 |