This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
K a P S & Co (USA) LLC - Debt Collector Complaint Profile
CFPB complaint profile across 5 states, reputation grade C.
Complaints by issue type
What consumers report about K a P S & Co (USA) LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
Data updated September 2026
CFPB complaint disposition
CCDB record k-a-p-s-co-usa-llc K a P S & Co (USA) LLC
Grade C · 6 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #2978 · compose #2478
- VOL 6
- GRADE C
- 12MO 0
- STATES 5
- TIMELY 83%
- ISSUE Attempts to collect debt n…
- RANK #2,978
- COMPOSE #2,478
Volume peers
Nearest volume peer: 1 Stop Money Centers, LLC (6 complaints)
K a P S & Co (USA) LLC's 6 CFPB complaints sit next to 1 Stop Money Centers, 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
33.3% of K a P S & Co (USA) LLC's CFPB filings land in Missouri
High volume does not equal a clean composite: K a P S & Co (USA) LLC is volume #2,978 but composite #2,478, while Missouri dominates the geography. Corpus placement method.
- Dominant state
- Missouri 33.3%
- 2 of 6 filings · 5 states touched
- Spike month
- 2021-06 25.0%
- 1 filings that month · spiky (≥15% of series)
- Divergent corpus ranks
- #2,978 volume
- #2,478 composite
- Cleanest-composite ladder is 500 places better than volume
How does K a P S & Co (USA) LLC compare to its peers?
Source: CFPB Consumer Complaint Database.
Complaint Trend (24 months)
Issue Detail Breakdown
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 4 |
| Written notification about debt | 1 |
| Took or threatened to take negative or legal action | 1 |
Where do complaints against K a P S & Co (USA) LLC come from?
K a P S & Co (USA) LLC's own per-state count, not a national baseline.
Top states by complaints against K a P S & Co (USA) LLC
Across 5 states with at least one filing
- Missouri
Missouri
2 complaints
- California
California
1 complaints
- Michigan
Michigan
1 complaints
- Mississippi
Mississippi
1 complaints
- Texas
Texas
1 complaints
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainCollector-derived comparison paths for K a P S & Co (USA) LLC: 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: 6.
Know your rights before responding to K a P S & Co (USA) LLC: FDCPA rights guide · debt validation letter · rights library.
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.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |