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

CFPB complaint data Grade D 710 complaints

State Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade D.

Complaints by issue type

What consumers report about State Collection Service, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record state-collection-service-inc State Collection Service, Inc.

Grade D · 710 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #199 · compose #165

  • VOL 710
  • GRADE D
  • 12MO 39
  • STATES 42
  • TIMELY 100%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #199
  • COMPOSE #165

Volume peers

Nearest volume peer: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (707 complaints)

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY BranchRetrieval-Masters Creditors …707State Collection Service, Inc. (this)State Collection Service, In…710Choice Recovery, Inc.Choice Recovery, Inc.715MohelaMohela721Security Finance CorpSecurity Finance Corp723
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

State Collection Service, Inc.'s 710 CFPB complaints sit next to Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch 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 710 complaints break down

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

Reputation score breakdown

D
Composite reputation score
54.5/100
State Collection Service, Inc.

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
710
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
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.

Filing geometry

Wisconsin is the plurality state for State Collection Service, Inc. (21.7%)

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

Plurality state
Wisconsin 21.7%
Mid-band (15–30%) · 42 states with ≥1 filing
Seasonal peak
2022-04 11.1%
8–15% band · 4 filings
Corpus ranks
#199 volume
#165 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does State Collection Service, Inc. compare to its peers?

How does State Collection Service, 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
State Collection Service, Inc. National average
Complaints (last 12 mo)lower is better
39
3
268
Timely-response ratehigher is better
100%
91%
91%
Consumer-dispute ratelower is better
15%
13%
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 State Collection Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) State Collection Service, Inc. vs. 8 similar-volume peers, by response speed and dispute rate State Collection Service, Inc.Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY BranchChoice Recovery, Inc.MOHELACITIZENS FINANCIAL GROUP, INC.SECURITY FINANCE CORPClient Services, Inc.Jon Barry and Associates, Inc.Synerprise Consulting Services, Inc.
Source: CFPB Consumer Complaint Database

State Collection Service, Inc.'s complaint volume in context

State Collection Service, Inc. 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)

710 Top 4% higher than 96% 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. State Collection Service, Inc. 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 ↓
2022-04 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
214
Written notification about debt
152
Cont'd attempts collect debt not owed
89
Communication tactics
83
False statements or representation
78
Disclosure verification of debt
44
Took or threatened to take negative or legal action
29
Electronic communications
10
Improper contact or sharing of info
7
Threatened to contact someone or share information improperly
4

Where do complaints against State Collection Service, Inc. come from?

State Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against State Collection Service, Inc.

Across 42 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 State Collection Service, 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: 710.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.71181556195965%.

4 peers

Know your rights before responding to State Collection Service, 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.