Total CFPB complaints
284
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 284 complaints
Perfection Collection — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Perfection Collection
- Attempts to collect debt not owed
Attempts to collect debt not owed
141 complaints
- Written notification about debt 53
Written notification about debt
53 complaints
- Took or threatened to take negative or legal action 25
Took or threatened to take negative or legal action
25 complaints
- False statements or representation 21
False statements or representation
21 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Communication tactics 5
Communication tactics
5 complaints
D
Grade D · 56.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Perfection Collection?
Perfection Collection has accumulated 284 total CFPB complaints across 37 states, with 0 filed in the most recent 12 months against 284 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 98% 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 37 states, led by Texas with 41 and Florida with 28, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places Perfection Collection 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
0
0.0% of total history
Stable →
States active
37
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
56.7/100 composite
Response-quality profile
How Perfection Collection performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 66.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Perfection Collection compare to its peers?
Perfection Collection 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)
2018-10 2021-05
Top Consumer Issues
Attempts to collect debt not owed141 (%)
Written notification about debt53 (%)
False statements or representation21 (%)
Took or threatened to take negative or legal action25 (%)
Cont'd attempts collect debt not owed7 (%)
Communication tactics5 (%)
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 | 93 |
| Written notification about debt | Didn't receive enough information to verify debt | 33 |
| Attempts to collect debt not owed | Debt was result of identity theft | 28 |
| False statements or representation | Attempted to collect wrong amount | 21 |
| Written notification about debt | Didn't receive notice of right to dispute | 20 |
| Attempts to collect debt not owed | Debt was paid | 20 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 18 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
Where do complaints against Perfection Collection come from?
The states where consumers have filed the most CFPB complaints against Perfection Collection. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Perfection Collection
Across 37 states with at least one filing
- Texas
Texas
41 complaints
- Florida
Florida
28 complaints
- New York
New York
19 complaints
- Georgia
Georgia
19 complaints
- Illinois 15
Illinois
15 complaints
- Virginia 13
Virginia
13 complaints
- North Carolina 11
North Carolina
11 complaints
- Tennessee 11
Tennessee
11 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Perfection Collection's reputation grade? ▼
Perfection Collection has a reputation grade of D (score: 56.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Perfection Collection 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 Perfection Collection 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 |