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

CFPB complaint data Grade F 158 complaints

Collection Services of Athens, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade F.

Complaints by issue type

What consumers report about Collection Services of Athens, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record collection-services-of-athens-inc Collection Services of Athens, Inc.

Grade F · 158 CFPB filings · 82% timely · lead issue: Attempts to collect debt not owed

  • VOL 158
  • GRADE F
  • 12MO 0
  • STATES 14
  • TIMELY 82%
  • DISPUTE 29%
  • ISSUE Attempts to collect debt n…
  • RANK #639
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Arnold Scott Harris, P.C. (158 complaints)

Arnold Scott Harris, P.C.Arnold Scott Harris, P.C.158Law Offices of Robert J. Colclough, IIILaw Offices of Robert J. Col…158Lobel Financial CorporationLobel Financial Corporation158Collection Services of Athens, Inc. (this)Collection Services of Athen…158Debt Co LLCDebt Co LLC159
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Collection Services of Athens, Inc.'s 158 CFPB complaints sit next to Arnold Scott Harris, P.C. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 158 complaints break down

Every complaint issue type on record for Collection Services of Athens, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.4/100
Collection Services of Athens, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
158
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
82%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
29%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

83.5% of Collection Services of Athens, Inc.'s CFPB filings land in Georgia

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Georgia 83.5%
132 of 158 filings · 14 states touched
Seasonal peak
2024-10 8.8%
8–15% band · 3 filings
Corpus ranks
#639 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Collection Services of Athens, Inc. compare to its peers?

How does COLLECTION SERVICES OF ATHENS, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
COLLECTION SERVICES OF ATHENS, INC. National average
Complaints (last 12 mo)lower is better
0
7
268
Timely-response ratehigher is better
82%
99%
91%
Consumer-dispute ratelower is better
29%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Collection Services of Athens, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Collection Services of Athens, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Collection Services of Athens, Inc.Arnold Scott Harris, P.C.LOBEL FINANCIAL CORPORATIONLaw Offices of Robert J. Colclough, IIIDRB-40, LLCHEARTLAND PAYMENT SYSTEMS INCWestern-Shamrock CorporationYSA ARM LLC DBA Oxygen XL
Source: CFPB Consumer Complaint Database

Collection Services of Athens, Inc.'s complaint volume in context

Collection Services of Athens, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

158 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Collection Services of Athens, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2022-05 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
67
Written notification about debt
37
Cont'd attempts collect debt not owed
19
Disclosure verification of debt
17
Communication tactics
6
False statements or representation
5
Took or threatened to take negative or legal action
3
Improper contact or sharing of info
3
Threatened to contact someone or share information improperly
1

Where do complaints against Collection Services of Athens, Inc. come from?

Collection Services of Athens, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Collection Services of Athens, Inc.

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Collection Services of Athens, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 158.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 81.64556962025317%.

4 peers

Know your rights before responding to Collection Services of Athens, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.