Total CFPB complaints
305
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 305 complaints
Ideal Collection Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Ideal Collection Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
135 complaints
- Written notification about debt
Written notification about debt
60 complaints
- False statements or representation 31
False statements or representation
31 complaints
- Took or threatened to take negative or legal action 27
Took or threatened to take negative or legal action
27 complaints
- Cont'd attempts collect debt not owed 11
Cont'd attempts collect debt not owed
11 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 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 Ideal Collection Services, Inc.?
Ideal Collection Services, Inc. has accumulated 305 total CFPB complaints across 26 states, with 58 filed in the most recent 12 months against 247 historical complaints before that window. The trailing-12-month volume represents 19.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 43% 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 26 states, led by Florida with 237 and Georgia with 9, 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 Ideal Collection Services, 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
58
19.0% of total history
Rising ↑
States active
26
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
43%
After company response
Reputation grade
F
52.1/100 composite
Response-quality profile
How Ideal Collection Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 85.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Ideal Collection Services, Inc. compare to its peers?
Ideal Collection Servi… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed135 (%)
Written notification about debt60 (%)
False statements or representation31 (%)
Took or threatened to take negative or legal action27 (%)
Cont'd attempts collect debt not owed11 (%)
Disclosure verification of debt4 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 78 |
| Attempts to collect debt not owed | Debt was result of identity theft | 42 |
| Written notification about debt | Didn't receive enough information to verify debt | 35 |
| False statements or representation | Attempted to collect wrong amount | 31 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 27 |
| Written notification about debt | Didn't receive notice of right to dispute | 25 |
| Attempts to collect debt not owed | Debt was paid | 15 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
Where do complaints against Ideal Collection Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Ideal Collection Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Ideal Collection Services, Inc.
Across 26 states with at least one filing
- Florida
Florida
237 complaints
- Georgia 9
Georgia
9 complaints
- Texas 8
Texas
8 complaints
- North Carolina 6
North Carolina
6 complaints
- California 5
California
5 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
- New York 3
New York
3 complaints
- Louisiana 3
Louisiana
3 complaints
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 305 complaints filed with the CFPB.
Are complaints against Ideal Collection Services, Inc. increasing or decreasing? ▼
Complaints against Ideal Collection Services, Inc. are rising. The company received 58 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Ideal Collection Services, Inc.'s reputation grade? ▼
Ideal Collection Services, 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 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 26 states, with the most complaints from Florida (237 complaints).
What can I do if Ideal Collection Services, 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 Ideal Collection Services, 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 |