Total CFPB complaints
694
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 694 complaints
State Collection Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about State Collection Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
190 complaints
- Written notification about debt
Written notification about debt
145 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
81 complaints
- False statements or representation 64
False statements or representation
64 complaints
- Communication tactics 55
Communication tactics
55 complaints
- Disclosure verification of debt 28
Disclosure verification of debt
28 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about State Collection Service, Inc.?
State Collection Service, Inc. has accumulated 694 total CFPB complaints across 42 states, with 40 filed in the most recent 12 months against 654 historical complaints before that window. The trailing-12-month volume represents 5.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 100% timely-response rate against a 15% 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 42 states, led by Wisconsin with 152 and Illinois with 87, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places State Collection Service, Inc. 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
40
5.8% of total history
Falling ↓
States active
42
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How State Collection Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 29.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does State Collection Service, Inc. compare to its peers?
State Collection Servi… 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)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed190 (%)
Written notification about debt145 (%)
False statements or representation64 (%)
Communication tactics55 (%)
Cont'd attempts collect debt not owed81 (%)
Disclosure verification of debt28 (%)
Took or threatened to take negative or legal action22 (%)
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 | 115 |
| Written notification about debt | Didn't receive enough information to verify debt | 102 |
| Attempts to collect debt not owed | Debt was paid | 75 |
| False statements or representation | Attempted to collect wrong amount | 64 |
| Communication tactics | Frequent or repeated calls | 55 |
| Cont'd attempts collect debt not owed | Debt was paid | 44 |
| Written notification about debt | Didn't receive notice of right to dispute | 43 |
| Cont'd attempts collect debt not owed | Debt is not mine | 37 |
| Disclosure verification of debt | Not given enough info to verify debt | 28 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 22 |
Where do complaints against State Collection Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against State Collection Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against State Collection Service, Inc.
Across 42 states with at least one filing
- Wisconsin
Wisconsin
152 complaints
- Illinois
Illinois
87 complaints
- Washington 56
Washington
56 complaints
- Maryland 48
Maryland
48 complaints
- California 39
California
39 complaints
- Pennsylvania 36
Pennsylvania
36 complaints
- Florida 34
Florida
34 complaints
- Texas 28
Texas
28 complaints
Frequently Asked Questions
What is the most common complaint against State Collection Service, Inc.? ▼
The most common issue consumers report about State Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 694 complaints filed with the CFPB.
Are complaints against State Collection Service, Inc. increasing or decreasing? ▼
Complaints against State Collection Service, Inc. are falling. The company received 40 complaints in the last 12 months, showing improvement over prior periods.
What is State Collection Service, Inc.'s reputation grade? ▼
State Collection Service, Inc. has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does State Collection Service, Inc. respond to consumer complaints? ▼
State Collection Service, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does State Collection Service, Inc. operate? ▼
State Collection Service, Inc. has received CFPB complaints from consumers in 42 states, with the most complaints from Wisconsin (152 complaints).
What can I do if State Collection Service, Inc. 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 State Collection Service, Inc. 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 |