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

CFPB complaint data Grade F 322 complaints

Ideal Collection Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade F.

Complaints by issue type

What consumers report about Ideal Collection Services, 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: Ideal Collection Services, Inc. ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 322 all-time complaints and a 100% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
322
CFPB complaints, all-time
100%
answered inside the CFPB window
59
in the last 12 months (stable)

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 Ideal Collection Services, Inc.?

Ideal Collection Services, Inc. has accumulated 322 total CFPB complaints across 27 states, with 59 filed in the most recent 12 months against 263 historical complaints before that window. The trailing-12-month volume represents 18.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 43% consumer-dispute-after-response rate.

Complaints have been recorded across 27 states, led by Florida with 246 and Georgia with 11. Normalized against the full CFPB collector database, the reputation score of 52.1/100 places Ideal Collection Services, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

322

mid-volume (CCDB)

Last 12 months

59

18.3% of all-time complaints

Stable →

States active

27

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

43%

high (vertical avg ~19%)

Reputation grade

F

52.1/100 composite

How does Ideal Collection Services, 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

Ideal Collection Services, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 42.9%
Vertical avg

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

State coverage breadth 48.2%

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

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

How does Ideal Collection Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Ideal Collection Servi… National average
Complaints (last 12 mo)lower is better
59
37
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
43%
23%
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 - 146
Written notification about debt - 65
False statements or representation - 41
Took or threatened to take negative or legal action - 29
Cont'd attempts collect debt not owed - 19
Communication tactics - 9
Disclosure verification of debt - 8
Electronic communications - 3
Threatened to contact someone or share information improperly - 1
Taking/threatening an illegal action - 1

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

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

Top states by complaints against Ideal Collection Services, Inc.

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Ideal Collection Services, Inc. contacts you

A grade of F signals how Ideal Collection Services, 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 Ideal Collection Services, 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 Ideal Collection Services, 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 Ideal Collection Services, Inc.? ▼

The most common issue consumers report about Ideal Collection Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 322 complaints filed with the CFPB.

Are complaints against Ideal Collection Services, Inc. increasing or decreasing? ▼

Complaints against Ideal Collection Services, Inc. have been stable. The company received 59 complaints in the last 12 months.

What is Ideal Collection Services, Inc.'s reputation grade? ▼

Ideal Collection Services, 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 Ideal Collection Services, Inc. respond to consumer complaints? ▼

Ideal Collection Services, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 43% of cases.

In how many states does Ideal Collection Services, Inc. operate? ▼

Ideal Collection Services, Inc. has received CFPB complaints from consumers in 27 states, with the most complaints from Florida (246 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.