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

CFPB complaint data Grade B 18 complaints

Metro Area Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Complaints by issue type

What consumers report about Metro Area Collection Service, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record metro-area-collection-service-inc Metro Area Collection Service, Inc.

Grade B · 18 CFPB filings · 89% timely · lead issue: Written notification about debt

  • VOL 18
  • GRADE B
  • 12MO 0
  • STATES 3
  • TIMELY 89%
  • DISPUTE 0%
  • ISSUE Written notification about…
  • RANK #1,984
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Ameris Bancorp (18 complaints)

Ameris BancorpAmeris Bancorp18Apple Recovery Services CorpApple Recovery Services Corp18Aubrey Thrasher, LLCAubrey Thrasher, LLC18BCB Investments LLCBCB Investments LLC18Metro Area Collection Service, Inc. (this)Metro Area Collection Servic…18
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Metro Area Collection Service, Inc.'s 18 CFPB complaints sit next to Ameris Bancorp 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 →

How the 18 complaints break down

Every complaint issue type on record for Metro Area Collection Service, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
66.7/100
Metro Area Collection Service, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
18
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
89%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

61.1% of Metro Area Collection Service, Inc.'s CFPB filings land in Oregon

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Oregon 61.1%
11 of 18 filings · 3 states touched
Spike month
2016-12 50.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#1,984 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Metro Area Collection Service, Inc. compare to its peers?

How does Metro Area Collection Service, 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
Metro Area Collection Service, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
89%
50%
91%
Consumer-dispute ratelower is better
0%
24%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Metro Area Collection Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Metro Area Collection Service, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Metro Area Collection Service, Inc.Matthew Thomas & Associates LLCMichael Haynes & Associates, LLCMid-Minnesota Management Services, Inc.LPSGPacific Financial Group (Closed)Pacific Rim Alliance CorporationParagon Subrogation Services, Inc
Source: CFPB Consumer Complaint Database

Metro Area Collection Service, Inc.'s complaint volume in context

Metro Area Collection Service, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

18 63rd percentile higher than 63% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Metro Area Collection Service, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2016-12 2025-12

Issue Detail Breakdown

Issue Complaints
Written notification about debt
5
Took or threatened to take negative or legal action
4
False statements or representation
4
Attempts to collect debt not owed
2
Cont'd attempts collect debt not owed
2
Communication tactics
1

Where do complaints against Metro Area Collection Service, Inc. come from?

Metro Area Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Metro Area Collection Service, Inc.

Across 3 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Metro Area Collection Service, 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: 18.

4 peers

Know your rights before responding to Metro Area Collection Service, 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.