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

CFPB complaint data Grade B 20 complaints

Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Complaints by issue type

What consumers report about Collection Service, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 66.6/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Collection Service, Inc. ranks ahead of 62% of the 5,283 collectors PlainCollector grades - 38% keep a cleaner CFPB record, on 20 all-time complaints and a 75% timely-response rate.

62nd pct
reputation rank of 5,283 graded collectors
20
CFPB complaints, all-time
75%
answered inside the CFPB window
6
in the last 12 months (rising)

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 Service, Inc.?

Collection Service, Inc. has accumulated 20 total CFPB complaints across 5 states, with 6 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 30.0% 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". The company posts a 75% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Arkansas with 13 and Massachusetts with 3. Normalized against the full CFPB collector database, the reputation score of 66.6/100 places Collection Service, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

20

low-volume (CCDB)

Last 12 months

6

30.0% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

75%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

66.6/100 composite

How does Collection Service, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

67 62nd percentile higher than 62% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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 Service, Inc. versus the debt-collection vertical average.

Timely response within SLA 75.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 8.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Collection Service, Inc. compare to its peers?

How does Collection Service, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Collection Service, In… National average
Complaints (last 12 mo)lower is better
6
8
268
Timely-response ratehigher is better
75%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-09 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 10
Written notification about debt - 2
Communication tactics - 2
Disclosure verification of debt - 2
Took or threatened to take negative or legal action - 1
False statements or representation - 1
Threatened to contact someone or share information improperly - 1
Improper contact or sharing of info - 1

Where do complaints against Collection Service, Inc. come from?

Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Collection Service, Inc.

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Collection Service, Inc. contacts you

A grade of B signals how Collection Service, Inc.'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 Service, Inc. 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 Service, Inc. 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 Service, Inc.? ▼

The most common issue consumers report about Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 20 complaints filed with the CFPB.

Are complaints against Collection Service, Inc. increasing or decreasing? ▼

Complaints against Collection Service, Inc. are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Collection Service, Inc.'s reputation grade? ▼

Collection Service, Inc. has a reputation grade of B (score: 66.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Collection Service, Inc. respond to consumer complaints? ▼

Collection Service, Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Collection Service, Inc. operate? ▼

Collection Service, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Arkansas (13 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.