Total CFPB complaints
76
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 76 complaints
Municipal Collections of America Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Municipal Collections of America Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
18 complaints
- Communication tactics
Communication tactics
16 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Municipal Collections of America Inc.?
Municipal Collections of America Inc. has accumulated 76 total CFPB complaints across 16 states, with 4 filed in the most recent 12 months against 72 historical complaints before that window. The trailing-12-month volume represents 5.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 93% timely-response rate against a 22% 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 16 states, led by Illinois with 41 and Iowa with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Municipal Collections of America Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
5.3% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How Municipal Collections of America Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Municipal Collections of America Inc. compare to its peers?
Municipal Collections … 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)
2019-05 2026-03
Top Consumer Issues
Attempts to collect debt not owed18 (%)
Cont'd attempts collect debt not owed10 (%)
Communication tactics16 (%)
Disclosure verification of debt7 (%)
False statements or representation4 (%)
Written notification about debt4 (%)
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 | 14 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Communication tactics | Frequent or repeated calls | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Communication tactics | Called after sent written cease of comm | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
Where do complaints against Municipal Collections of America Inc. come from?
The states where consumers have filed the most CFPB complaints against Municipal Collections of America Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Municipal Collections of America Inc.
Across 16 states with at least one filing
- Illinois
Illinois
41 complaints
- Iowa 9
Iowa
9 complaints
- Ohio 6
Ohio
6 complaints
- Virginia 4
Virginia
4 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- Maryland 3
Maryland
3 complaints
- Minnesota 1
Minnesota
1 complaints
- Arizona 1
Arizona
1 complaints
Frequently Asked Questions
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 rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Municipal Collections of America Inc.'s reputation grade? ▼
Municipal Collections of America Inc. has a reputation grade of D (score: 59.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Municipal Collections of America 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 Municipal Collections of America 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 |