Total CFPB complaints
197
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 197 complaints
Collections Acquisition Company, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Collections Acquisition Company, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
111 complaints
- Disclosure verification of debt 19
Disclosure verification of debt
19 complaints
- Cont'd attempts collect debt not owed 17
Cont'd attempts collect debt not owed
17 complaints
- Written notification about debt 13
Written notification about debt
13 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
F
Grade F · 52.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Collections Acquisition Company, Inc.?
Collections Acquisition Company, Inc. has accumulated 197 total CFPB complaints across 39 states, with 31 filed in the most recent 12 months against 166 historical complaints before that window. The trailing-12-month volume represents 15.7% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 44% 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 39 states, led by Texas with 26 and California with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Collections Acquisition Company, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
31
15.7% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
44%
After company response
Reputation grade
F
52.1/100 composite
Response-quality profile
How Collections Acquisition Company, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 88.9%
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?
Collections Acquisitio… 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)
2023-09 2026-03
Top Consumer Issues
Attempts to collect debt not owed111 (%)
Written notification about debt13 (%)
Cont'd attempts collect debt not owed17 (%)
Took or threatened to take negative or legal action10 (%)
Disclosure verification of debt19 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 57 |
| Attempts to collect debt not owed | Debt is not yours | 46 |
| Written notification about debt | Didn't receive enough information to verify debt | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| Disclosure verification of debt | Right to dispute notice not received | 6 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 6 |
Where do complaints against Collections Acquisition Company, Inc. come from?
The states where consumers have filed the most CFPB complaints against Collections Acquisition Company, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Collections Acquisition Company, Inc.
Across 39 states with at least one filing
- Texas
Texas
26 complaints
- California
California
20 complaints
- Florida
Florida
18 complaints
- South Carolina
South Carolina
11 complaints
- Georgia
Georgia
11 complaints
- Illinois 10
Illinois
10 complaints
- New York 8
New York
8 complaints
- Kansas 7
Kansas
7 complaints
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 197 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 31 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (26 complaints).
What can I do if Collections Acquisition Company, 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 Collections Acquisition Company, 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 |