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

CFPB complaint data Grade D 284 complaints

Perfection Collection - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Complaints by issue type

What consumers report about Perfection Collection

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

Data updated September 2026

CFPB complaint disposition

CCDB record perfection-collection Perfection Collection

Grade D · 284 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #414 · compose #228

  • VOL 284
  • GRADE D
  • 12MO 0
  • STATES 37
  • TIMELY 98%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #414
  • COMPOSE #228

Volume peers

Nearest volume peer: M&T Bank Corporation (285 complaints)

Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO BranchProfessional Bureau of Colle…283Perfection Collection (this)Perfection Collection (this)284M&T Bank CorporationM&T Bank Corporation285N.A.R., Inc.N.A.R., Inc.285Receivables Management CorporationReceivables Management Corpo…286
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Perfection Collection's 284 CFPB complaints sit next to M&T Bank Corporation 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 284 complaints break down

Every complaint issue type on record for Perfection Collection, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.5/100
Perfection Collection

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
284
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
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.

Distributed filing map

Perfection Collection spreads filings across 37 states - Texas leads at only 14.4%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 14.4% across 37 states
Seasonal peak
2019-02 13.5%
8–15% band · 5 filings
Corpus ranks
#414 volume
#228 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Perfection Collection compare to its peers?

How does Perfection Collection compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Perfection Collection National average
Complaints (last 12 mo)lower is better
0
35
268
Timely-response ratehigher is better
98%
92%
91%
Consumer-dispute ratelower is better
22%
14%
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 Perfection Collection a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Perfection Collection vs. 9 similar-volume peers, by response speed and dispute rate Perfection CollectionN.A.R., Inc.Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO BranchM&T BANK CORPORATIONReceivables Management CorporationCredit Service International CorpJavitch, Block & Rathbone LLCRemex, Inc.Telerecovery CorporationCollection Information Bureau, Inc.
Source: CFPB Consumer Complaint Database

Perfection Collection's complaint volume in context

Perfection Collection 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)

284 Top 8% higher than 92% 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%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Perfection Collection 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 ↓
2018-05 2021-10

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
145
Written notification about debt
53
Took or threatened to take negative or legal action
28
False statements or representation
26
Cont'd attempts collect debt not owed
10
Disclosure verification of debt
10
Communication tactics
9
Threatened to contact someone or share information improperly
3

Where do complaints against Perfection Collection come from?

Perfection Collection's own per-state count, not a national baseline.

Top states by complaints against Perfection Collection

Across 37 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 Perfection Collection: 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: 284.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.88732394366197%.

4 peers

Know your rights before responding to Perfection Collection: 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.