What is the most common complaint against Municipal Collections of America Inc.?

The most common issue consumers report about Municipal Collections of America Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 76 complaints filed with the CFPB.

Are complaints against Municipal Collections of America Inc. increasing or decreasing?

Complaints against Municipal Collections of America Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Municipal Collections of America Inc.'s reputation grade?

Municipal Collections of America Inc. has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Municipal Collections of America Inc. respond to consumer complaints?

Municipal Collections of America Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Municipal Collections of America Inc. operate?

Municipal Collections of America Inc. has received CFPB complaints from consumers in 16 states, with the most complaints from Illinois (41 complaints).

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

Municipal Collections of America Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade D.

Compiled by PlainCollector

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

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 #957 · compose #3242

VOL 76
GRADE D
12MO 3
STATES 16
TIMELY 93%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #957
COMPOSE #3,242

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Municipal Collections of America Inc. is volume #957 but composite #3,242, while Illinois dominates the geography. 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
Divergent corpus ranks: #957 volume; #3,242 composite; Cleanest-composite ladder is 2,285 places worse than volume

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 … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

100%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Illinois

41
Iowa

9
Ohio

6
Virginia

4
Maryland

3
Pennsylvania

3
Alabama

1
Arizona

1

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.