What is the most common complaint against IPAC'S Inc.?

The most common issue consumers report about IPAC'S Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 27 complaints filed with the CFPB.

Are complaints against IPAC'S Inc. increasing or decreasing?

Complaints against IPAC'S Inc. are rising. The company received 17 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is IPAC'S Inc.'s reputation grade?

IPAC'S Inc. has a reputation grade of F (score: 35.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does IPAC'S Inc. respond to consumer complaints?

IPAC'S Inc. has a 4% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does IPAC'S Inc. operate?

IPAC'S Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Mississippi (7 complaints).

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

IPAC'S Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

8
Written notification about debt

7
Threatened to contact someone or share information improperly

4
Took or threatened to take negative or legal action

3
Communication tactics

3
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record ipac-s-inc IPAC'S Inc.

Grade F · 27 CFPB filings · 4% timely · lead issue: Attempts to collect debt not owed · vol #1627 · compose #5096

VOL 27
GRADE F
12MO 17
STATES 11
TIMELY 4%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,627
COMPOSE #5,096

Volume peers

Nearest volume peer: AAA Auto Title Loans, LLC (27 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

IPAC'S Inc.'s 27 CFPB complaints sit next to AAA Auto Title Loans, 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 →

Filing geometry

Mississippi is the plurality state for IPAC'S Inc. (25.9%)

Volume rank #1,627 and composite rank #5,096 diverge by 3,469 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Mississippi 25.9%; Mid-band (15–30%) · 11 states with ≥1 filing
Seasonal peak: 2020-06 9.4%; 8–15% band · 3 filings
Divergent corpus ranks: #1,627 volume; #5,096 composite; Cleanest-composite ladder is 3,469 places worse than volume

How does IPAC'S Inc. compare to its peers?

How does IPAC'S 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

IPAC'S Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

89%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-10 2022-08

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
Written notification about debt	7
Threatened to contact someone or share information improperly	4
Took or threatened to take negative or legal action	3
Communication tactics	3
False statements or representation	1
Cont'd attempts collect debt not owed	1

Where do complaints against IPAC'S Inc. come from?

IPAC'S Inc.'s own per-state count, not a national baseline.

Mississippi

7
Florida

3
Indiana

3
Louisiana

3
Minnesota

2
Missouri

2
Tennessee

2
Texas

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for IPAC'S 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: 27.

4 peers

Know your rights before responding to IPAC'S 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.