What is the most common complaint against SCA Collections, Inc.?

The most common issue consumers report about SCA Collections, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 542 complaints filed with the CFPB.

Are complaints against SCA Collections, Inc. increasing or decreasing?

Complaints against SCA Collections, Inc. are falling. The company received 43 complaints in the last 12 months, showing improvement over prior periods.

What is SCA Collections, Inc.'s reputation grade?

SCA Collections, Inc. has a reputation grade of D (score: 49.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SCA Collections, Inc. respond to consumer complaints?

SCA Collections, Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does SCA Collections, Inc. operate?

SCA Collections, Inc. has received CFPB complaints from consumers in 27 states, with the most complaints from North Carolina (251 complaints).

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

SCA Collections, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

225
Written notification about debt

152
Cont'd attempts collect debt not owed

45
Disclosure verification of debt

38
Took or threatened to take negative or legal action

31
False statements or representation

29

Data updated September 2026

CFPB complaint disposition

CCDB record sca-collections-inc SCA Collections, Inc.

Grade D · 542 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #258 · compose #4193

VOL 542
GRADE D
12MO 43
STATES 27
TIMELY 96%
DISPUTE 31%
ISSUE Attempts to collect debt n…
RANK #258
COMPOSE #4,193

Volume peers

Nearest volume peer: Strategic Alliances, Inc. (547 complaints)

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

SCA Collections, Inc.'s 542 CFPB complaints sit next to Strategic Alliances, 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

46.3% of SCA Collections, Inc.'s CFPB filings land in North Carolina

High volume does not equal a clean composite: SCA Collections, Inc. is volume #258 but composite #4,193, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 46.3%; 251 of 542 filings · 27 states touched
Spike month: 2026-01 17.2%; 17 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #258 volume; #4,193 composite; Cleanest-composite ladder is 3,935 places worse than volume

How does SCA Collections, Inc. compare to its peers?

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

SCA Collections, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

90%

91%

Consumer-dispute ratelower is better

31%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	225
Written notification about debt	152
Cont'd attempts collect debt not owed	45
Disclosure verification of debt	38
Took or threatened to take negative or legal action	31
False statements or representation	29
Communication tactics	13
Threatened to contact someone or share information improperly	6
Improper contact or sharing of info	3

Where do complaints against SCA Collections, Inc. come from?

SCA Collections, Inc.'s own per-state count, not a national baseline.

North Carolina

251
South Carolina

108
Georgia

32
California

28
Virginia

23
Tennessee

21
Florida

17
Alabama

11

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for SCA Collections, Inc.: 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: 542.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.36711281070745%.

4 peers

Know your rights before responding to SCA Collections, Inc.: 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.