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

CFPB complaint data Grade F 204 complaints

Collections Acquisition Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about Collections Acquisition Company, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.1/100 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: Collections Acquisition Company, Inc. ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 204 all-time complaints and a 98% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
204
CFPB complaints, all-time
98%
answered inside the CFPB window
30
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 Collections Acquisition Company, Inc.?

Collections Acquisition Company, Inc. has accumulated 204 total CFPB complaints across 39 states, with 30 filed in the most recent 12 months against 174 historical complaints before that window. The trailing-12-month volume represents 14.7% 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 was result of identity theft". The company posts a 98% timely-response rate against a 44% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Texas with 28 and California with 21. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Collections Acquisition Company, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

204

mid-volume (CCDB)

Last 12 months

30

14.7% of all-time complaints

Falling ↓

States active

39

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

44%

high (vertical avg ~19%)

Reputation grade

F

52.1/100 composite

How does Collections Acquisition Company, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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%). This entry sits in this band. 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

Collections Acquisition Company, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.0%
Vertical avg

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

Consumer dispute rate (post-response) 44.4%
Vertical avg

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

State coverage breadth 69.6%

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

How does Collections Acquisition Company, Inc. compare to its peers?

How does Collections Acquisition Company, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Collections Acquisitio… National average
Complaints (last 12 mo)lower is better
30
0
268
Timely-response ratehigher is better
98%
47%
91%
Consumer-dispute ratelower is better
44%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 115
Written notification about debt - 20
Cont'd attempts collect debt not owed - 19
Disclosure verification of debt - 19
Took or threatened to take negative or legal action - 11
False statements or representation - 8
Communication tactics - 8
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 2

Where do complaints against Collections Acquisition Company, Inc. come from?

Collections Acquisition Company, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Collections Acquisition Company, Inc.

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Collections Acquisition Company, Inc. contacts you

A grade of F signals how Collections Acquisition Company, 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 Collections Acquisition Company, 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 Collections Acquisition Company, 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 Collections Acquisition Company, Inc.? ▼

The most common issue consumers report about Collections Acquisition Company, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 204 complaints filed with the CFPB.

Are complaints against Collections Acquisition Company, Inc. increasing or decreasing? ▼

Complaints against Collections Acquisition Company, Inc. are falling. The company received 30 complaints in the last 12 months, showing improvement over prior periods.

What is Collections Acquisition Company, Inc.'s reputation grade? ▼

Collections Acquisition Company, Inc. has a reputation grade of F (score: 52.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Collections Acquisition Company, Inc. respond to consumer complaints? ▼

Collections Acquisition Company, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 44% of cases.

In how many states does Collections Acquisition Company, Inc. operate? ▼

Collections Acquisition Company, Inc. has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (28 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.