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

CFPB complaint data Grade D 161 complaints

Collections USA, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Collections USA, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record collections-usa-inc Collections USA, Inc.

Grade D · 161 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed

  • VOL 161
  • GRADE D
  • 12MO 37
  • STATES 16
  • TIMELY 95%
  • DISPUTE 43%
  • ISSUE Attempts to collect debt n…
  • RANK #631
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accelerated Financial Solutions, LLC (162 complaints)

Collections USA, Inc. (this)Collections USA, Inc. (this)161Accelerated Financial Solutions, LLCAccelerated Financial Soluti…162Ascension Point Recovery Services, LLCAscension Point Recovery Ser…162Collection Receivables, Inc.Collection Receivables, Inc.162Financial Corporation of AmericaFinancial Corporation of Ame…162
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Collections USA, Inc.'s 161 CFPB complaints sit next to Accelerated Financial Solutions, LLC 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 161 complaints break down

Every complaint issue type on record for Collections USA, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.2/100
Collections USA, 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
161
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
95%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate C
43%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

65.8% of Collections USA, Inc.'s CFPB filings land in Arizona

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

Dominant state
Arizona 65.8%
106 of 161 filings · 16 states touched
Seasonal peak
2025-10 9.8%
8–15% band · 4 filings
Corpus ranks
#631 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Collections USA, Inc. compare to its peers?

How does COLLECTIONS USA, 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
COLLECTIONS USA, INC. National average
Complaints (last 12 mo)lower is better
37
46
268
Timely-response ratehigher is better
95%
100%
91%
Consumer-dispute ratelower is better
43%
8%
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 Collections USA, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 0%50%100%150% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Collections USA, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Collections USA, Inc.WLCCA & O Recovery Solutions, LLCValentine and Kebartas, Inc.Collection Professionals, Inc.Financial Corporation of AmericaAscension Point Recovery Services, LLCAccelerated Financial Solutions, LLCHEARTLAND PAYMENT SYSTEMS INC
Source: CFPB Consumer Complaint Database

Collections USA, Inc.'s complaint volume in context

Collections USA, 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)

161 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%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Collections USA, 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)

Stable →
2022-04 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
56
Written notification about debt
47
False statements or representation
23
Took or threatened to take negative or legal action
16
Cont'd attempts collect debt not owed
7
Disclosure verification of debt
6
Electronic communications
3
Communication tactics
1
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Collections USA, Inc. come from?

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

Top states by complaints against Collections USA, Inc.

Across 16 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 Collections USA, 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: 161.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.33333333333334%.

4 peers

Know your rights before responding to Collections USA, 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.