CFPB Consumer Complaint Profile
Metro Area Collection Service, Inc.
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 23
- Total complaints
- Mid-range
- 0
- Last 12 months
- 91.3%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
By CFPB complaint volume, Metro Area Collection Service, Inc. is #2678 out of 3,843 financial companies. For answering complaints on time it stands at the 20th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- OR
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Metro Area Collection Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.3% Among the lowest higher than 20% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 5 |
| 2022 | 7 |
| 2023 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Metro Area Collection Service, Inc.
Metro Area Collection Service, Inc. draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Written notification about debt" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Metro Area Collection Service, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Metro Area Collection Service, Inc. have?
23 complaints have been filed against Metro Area Collection Service, Inc. with the CFPB overall - 0 of them in the past year.
Does Metro Area Collection Service, Inc. respond to complaints on time?
Metro Area Collection Service, Inc.'s CFPB timely-response rate is 91.3%.
What product generates the most complaints for Metro Area Collection Service, Inc.?
"Debt collection" draws more CFPB complaints against Metro Area Collection Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Metro Area Collection Service, Inc.?
"Written notification about debt" is the single most frequently cited issue in complaints against Metro Area Collection Service, Inc. - see all issues and counts above.
How do I file a complaint against Metro Area Collection Service, Inc.?
You can file a complaint against Metro Area Collection Service, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Metro Area Collection Service, Inc.?
Consumers in 3 states and territories have filed complaints about Metro Area Collection Service, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.