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

CFPB complaint data Grade D 76 complaints

Municipal Collections of America Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Complaints by issue type

What consumers report about Municipal Collections of America Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record municipal-collections-of-america-inc Municipal Collections of America Inc.

Grade D · 76 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed

  • VOL 76
  • GRADE D
  • 12MO 3
  • STATES 16
  • TIMELY 93%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #957
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Allgate Financial, LLC (76 complaints)

Allgate Financial, LLCAllgate Financial, LLC76Huntington Debt Holding LLCHuntington Debt Holding LLC76Kashable LLCKashable LLC76United Debt Holdings, LLCUnited Debt Holdings, LLC76Municipal Collections of America Inc. (this)Municipal Collections of Ame…76
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Municipal Collections of America Inc.'s 76 CFPB complaints sit next to Allgate Financial, 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 →

How the 76 complaints break down

Every complaint issue type on record for Municipal Collections of America Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.6/100
Municipal Collections of America 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 F
76
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
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

53.9% of Municipal Collections of America Inc.'s CFPB filings land in Illinois

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

Dominant state
Illinois 53.9%
41 of 76 filings · 16 states touched
Seasonal peak
2024-05 10.5%
8–15% band · 8 filings
Corpus ranks
#957 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Municipal Collections of America Inc. compare to its peers?

How does Municipal Collections of America 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
Municipal Collections of America Inc. National average
Complaints (last 12 mo)lower is better
3
38
268
Timely-response ratehigher is better
93%
100%
91%
Consumer-dispute ratelower is better
22%
0%
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 Municipal Collections of America Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Municipal Collections of America Inc. vs. 8 similar-volume peers, by response speed and dispute rate Municipal Collections of America Inc.United Debt Holdings, LLCAllgate Financial, LLCAccount Management Services, Inc.Accounts Receivable Management, Inc (NJ) (Closed)Universal Fidelity LPBANCO POPULAR DE PUERTO RICOUnited Student Aid (USA) FundsComputer Credit, Inc.
Source: CFPB Consumer Complaint Database

Municipal Collections of America Inc.'s complaint volume in context

Municipal Collections of America 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)

76 Top 18% higher than 82% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). This entry sits in this band. 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. Municipal Collections of America 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 ↓
2024-03 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
19
Communication tactics
19
Cont'd attempts collect debt not owed
13
Disclosure verification of debt
9
Written notification about debt
5
False statements or representation
4
Took or threatened to take negative or legal action
3
Improper contact or sharing of info
2
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Municipal Collections of America Inc. come from?

Municipal Collections of America Inc.'s own per-state count, not a national baseline.

Top states by complaints against Municipal Collections of America Inc.

Across 16 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 Municipal Collections of America 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: 76.

4 peers

Know your rights before responding to Municipal Collections of America 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.