What is the most common complaint against Personalized Collection Services?

The most common issue consumers report about Personalized Collection Services is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 3 complaints filed with the CFPB.

Are complaints against Personalized Collection Services increasing or decreasing?

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

What is Personalized Collection Services's reputation grade?

Personalized Collection Services has a reputation grade of B (score: 70.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Personalized Collection Services respond to consumer complaints?

Personalized Collection Services has a 100% timely response rate to CFPB complaints.

In how many states does Personalized Collection Services operate?

Personalized Collection Services has received CFPB complaints from consumers in 1 states, with the most complaints from Missouri (2 complaints).

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

Personalized Collection Services - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Written notification about debt

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record personalized-collection-services Personalized Collection Services

Grade B · 3 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #3786 · compose #1272

VOL 3
GRADE B
12MO 0
STATES 1
TIMELY 100%
ISSUE Written notification about…
RANK #3,786
COMPOSE #1,272

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Personalized Collection Services's 3 CFPB complaints sit next to 950 Credit Inc 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

66.7% of Personalized Collection Services's CFPB filings land in Missouri

High volume does not equal a clean composite: Personalized Collection Services is volume #3,786 but composite #1,272, while Missouri dominates the geography. Corpus placement method.

Dominant state: Missouri 66.7%; 2 of 3 filings · 1 states touched
Spike month: 2025-12 33.3%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,786 volume; #1,272 composite; Cleanest-composite ladder is 2,514 places better than volume

How does Personalized Collection Services compare to its peers?

How does Personalized Collection Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Personalized Collectio… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

33%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-12 2026-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	2
False statements or representation	1

Where do complaints against Personalized Collection Services come from?

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

Missouri

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Personalized Collection Services: 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: 3.

4 peers

Know your rights before responding to Personalized Collection Services: 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.