Total CFPB complaints
133
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 133 complaints
Metro Collection Service Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Metro Collection Service Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
37 complaints
- False statements or representation
False statements or representation
23 complaints
- Written notification about debt
Written notification about debt
20 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
15 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Metro Collection Service Inc.?
Metro Collection Service Inc. has accumulated 133 total CFPB complaints across 24 states, with 23 filed in the most recent 12 months against 110 historical complaints before that window. The trailing-12-month volume represents 17.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 96% timely-response rate against a 12% 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 24 states, led by Colorado with 72 and Texas with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places Metro Collection Service Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
23
17.3% of total history
Falling ↓
States active
24
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How Metro Collection Service Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 24.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Metro Collection Service Inc. compare to its peers?
Metro 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)
2023-11 2026-03
Top Consumer Issues
Attempts to collect debt not owed37 (%)
False statements or representation23 (%)
Written notification about debt20 (%)
Cont'd attempts collect debt not owed15 (%)
Disclosure verification of debt8 (%)
Took or threatened to take negative or legal action5 (%)
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 | 27 |
| False statements or representation | Attempted to collect wrong amount | 23 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
Where do complaints against Metro Collection Service Inc. come from?
The states where consumers have filed the most CFPB complaints against Metro Collection Service Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Metro Collection Service Inc.
Across 24 states with at least one filing
- Colorado
Colorado
72 complaints
- Texas 10
Texas
10 complaints
- Florida 9
Florida
9 complaints
- Tennessee 7
Tennessee
7 complaints
- Georgia 4
Georgia
4 complaints
- South Carolina 3
South Carolina
3 complaints
- Oregon 3
Oregon
3 complaints
- Arizona 3
Arizona
3 complaints
Frequently Asked Questions
What is the most common complaint against Metro Collection Service Inc.? ▼
The most common issue consumers report about Metro Collection Service Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 133 complaints filed with the CFPB.
Are complaints against Metro Collection Service Inc. increasing or decreasing? ▼
Complaints against Metro Collection Service Inc. are falling. The company received 23 complaints in the last 12 months, showing improvement over prior periods.
What is Metro Collection Service Inc.'s reputation grade? ▼
Metro Collection Service Inc. has a reputation grade of C (score: 60.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Metro Collection Service Inc. respond to consumer complaints? ▼
Metro Collection Service Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Metro Collection Service Inc. operate? ▼
Metro Collection Service Inc. has received CFPB complaints from consumers in 24 states, with the most complaints from Colorado (72 complaints).
What can I do if Metro Collection Service 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 Metro Collection Service 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 |