How we score debt collectors using CFPB complaint data, what the A–F grade measures, and what it does not.
The short answer
PlainCollector grades each collector A–F from four CFPB signals: size-adjusted complaint volume, timely-response rate, consumer-dispute rate, and complaint trend. Grades are relative, each band holds about a fifth of all collectors.
- 5,283
- collectors graded A–F
- 4
- CFPB signals blended
- ~20%
- of collectors in each grade band
- Curve
- rank vs peers, not a fixed cutoff
A grade is a relative complaint-record signal, not a legal conclusion. A complaint is a consumer filing, not a proven violation.
How the 5,283 graded collectors are distributed
Grades are assigned on a curve, A through F
- A
A
1,035 collectors
- B
B
1,072 collectors
- C
C
1,075 collectors
- D
D
1,079 collectors
- F
F
1,022 collectors
What this shows Each grade holds about a fifth of all collectors, a grade is a collector's rank against its peers, not an absolute pass/fail threshold.
Background and Context
PlainCollector assigns A through F grades based on complaint volume, response rates, dispute rates, and complaint trends. Understanding what these grades measure helps you evaluate collectors with appropriate context. PlainCollector uses CFPB complaint data to provide reputation grades, complaint trends, and issue breakdowns for over 5,400 debt collection companies. This guide explains what the data reveals and how to use it when dealing with collectors.
Debt collection is the single most-complained-about category in the CFPB's entire database, generating more consumer complaints than credit cards, mortgages, and bank accounts combined. This is partly because the debt collection industry is vast, thousands of companies ranging from large national agencies to small local operations, and partly because the power dynamic inherently favors collectors who have access to consumer information that the consumer may not even know about.
Understanding your rights, knowing how to verify a debt, and having data on the collector's track record shifts this power dynamic. The following sections break down the key concepts relevant to this topic.
What CFPB Complaint Data Shows About Collectors
What it tells you: CFPB data reveals how many complaints each collector has received, what issues consumers report, how often the collector responds on time, and how often consumers dispute the company's response. PlainCollector distills this into reputation grades (A through F) that make comparison easy. Companies with persistent patterns of consumer disputes, late responses, or concentrated complaint categories have demonstrable track records.
What it doesn't tell you: Complaint data is submitted by consumers and not independently verified by the CFPB. Some complaints may reflect misunderstandings rather than collector misconduct. Additionally, a collector with zero complaints is not necessarily trustworthy, they may be too small or too new to have generated complaints yet.
How to use it: Before engaging with any debt collector, search PlainCollector for their name. Check their reputation grade, complaint count, and the specific issues consumers report. Companies with D or F grades and patterns of issues related to "continued attempts to collect debt not owed" or "threatened actions not taken" deserve extra scrutiny.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act provides specific protections that every consumer should know. You have the right to request written verification of any debt within 30 days of first contact. The collector must cease collection activity until they provide validation. You can request that a collector stop contacting you entirely (in writing). Collectors cannot call before 8 AM or after 9 PM, misrepresent themselves, threaten actions they cannot legally take, or discuss your debt with third parties other than your attorney or spouse.
These rights apply to third-party collectors (companies that buy or are assigned debts), not original creditors collecting their own debts. However, many states extend similar protections to original creditors. If a collector violates the FDCPA, you may be entitled to statutory damages of up to $1,000 per violation plus attorney fees. For detailed guidance, see our FDCPA rights guide and verification guide.
Practical Steps for Consumers
When contacted by a debt collector, the most important thing is to slow down. Do not make payments or provide personal information during the first contact. Instead, follow these steps to protect yourself and make informed decisions.
Step 1, Identify the collector. Get the company name, address, phone number, and the name of the person calling. If they refuse to identify themselves, this is itself a violation of the FDCPA.
Step 2, Research the collector. Search PlainCollector for the company's reputation grade and complaint history. Check if other consumers report similar issues.
Step 3, Request validation. Within 30 days, send a written debt validation letter (certified mail, return receipt requested). The collector must prove you owe the debt before they can continue collecting. See our debt validation guide.
Step 4, Verify the debt is yours. Check your own records. Compare the amount claimed to your records. Debts are often sold and resold, and errors in the chain of ownership are common.
Step 5, Know your options. If the debt is valid, you may be able to negotiate a settlement for less than the full amount. If it is not valid, or the statute of limitations has expired, you have different options. Consult a consumer rights attorney if the amount is significant.
Frequently Asked Questions
Where does PlainCollector get its data?
The CFPB Consumer Complaint Database, a public dataset of consumer complaints. PlainCollector processes over 1 million debt collection complaints to build profiles and grades.
What do PlainCollector reputation grades mean?
A-F grades based on complaint volume, timely response rate, dispute rate, and trend direction. An A-grade collector has fewer complaints and better resolution patterns than an F-grade.
Can I trust complaint data about debt collectors?
Complaints are consumer-submitted, not verified violations. But patterns across hundreds of complaints are meaningful, persistent issues indicate systemic problems regardless of individual complaint accuracy.
A worked example
A collector with a high complaint count but a near-100% response rate can still grade well, because responsiveness is weighted alongside volume. The grade rewards how a company handles complaints, not only how many it receives.
“A reputation grade compresses three federal signals into one letter; it is useful as a first read, never as the last word.”
Frequently asked questions
Where does this data come from?
All figures on this page derive from the federal Consumer Financial Protection Bureau (CFPB) and its public Consumer Complaint Database. We cite the underlying dataset and our reputation-grade methodology in the methodology section. No proprietary aggregators are used.
How often are figures updated?
Each series follows its own publication cadence. We refresh our database within 30 days of each upstream release. Specific update timestamps appear in the page footer where available; the methodology page documents the cadence per data series.
Can I use this data for my own analysis?
Yes. The underlying federal data is public domain. Our presentation, calculations, and editorial commentary are licensed for individual reference. For commercial republication or large-scale data extraction, contact us at the email listed on the contact page.
What if the figures here disagree with another source?
Different sources use different methodologies, definitions, geographic boundaries, and reference periods, disagreement is normal and informative. Our methodology page documents exactly which series and reference period we use for each metric, so you can reproduce or audit the figures against the upstream agency directly.
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.