What is the most common complaint against Collections USA, Inc.?

The most common issue consumers report about Collections USA, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 161 complaints filed with the CFPB.

Are complaints against Collections USA, Inc. increasing or decreasing?

Complaints against Collections USA, Inc. have been stable. The company received 37 complaints in the last 12 months.

What is Collections USA, Inc.'s reputation grade?

Collections USA, Inc. has a reputation grade of D (score: 49.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Collections USA, Inc. respond to consumer complaints?

Collections USA, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 43% of cases.

In how many states does Collections USA, Inc. operate?

Collections USA, Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Arizona (106 complaints).

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

Collections USA, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

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

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 #631 · compose #4212

VOL 161
GRADE D
12MO 37
STATES 16
TIMELY 95%
DISPUTE 43%
ISSUE Attempts to collect debt n…
RANK #631
COMPOSE #4,212

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Collections USA, Inc. is volume #631 but composite #4,212, while Arizona dominates the geography. 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
Divergent corpus ranks: #631 volume; #4,212 composite; Cleanest-composite ladder is 3,581 places worse than volume

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

268

Timely-response ratehigher is better

95%

100%

91%

Consumer-dispute ratelower is better

43%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Arizona

106
Georgia

21
California

8
South Carolina

6
Texas

5
Louisiana

2
Missouri

2
North Carolina

2

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.