What is the most common complaint against Perfection Collection?

The most common issue consumers report about Perfection Collection is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 284 complaints filed with the CFPB.

Are complaints against Perfection Collection increasing or decreasing?

Complaints against Perfection Collection are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Perfection Collection's reputation grade?

Perfection Collection has a reputation grade of D (score: 53.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Perfection Collection respond to consumer complaints?

Perfection Collection has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Perfection Collection operate?

Perfection Collection has received CFPB complaints from consumers in 37 states, with the most complaints from Texas (41 complaints).

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

Perfection Collection - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Compiled by PlainCollector

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

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 #3645

VOL 284
GRADE D
12MO 0
STATES 37
TIMELY 98%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #414
COMPOSE #3,645

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Perfection Collection still sits volume #414 against composite #3,645 - the two RankMaps diverge by 3,231 places. 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
Divergent corpus ranks: #414 volume; #3,645 composite; Cleanest-composite ladder is 3,231 places worse than volume

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

268

Timely-response ratehigher is better

98%

92%

91%

Consumer-dispute ratelower is better

22%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

41
Florida

28
Georgia

19
New York

19
Illinois

15
Virginia

13
North Carolina

11
Tennessee

11

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.