CFPB Consumer Complaint Profile
Municipal Collections of America Inc.
77 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 77
- Total complaints
- Mid-range
- 4
- Last 12 months
- 93.5%
- Timely response
- Bottom quartile
- 16
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Municipal Collections of America Inc. has accumulated 77 complaints, placing it #1492 by volume. It posts a 93.5% on-time response rate, the 25th percentile among companies with 100+ complaints.
- #1492
- of 3,843 companies by volume
- 93.5%
- on time (25th pctile)
- Debt collection
- most-complained product
- 16
- states with 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.
Municipal Collections of America Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
93.5% Around the middle higher than 25% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 10 |
| 2015 | 14 |
| 2016 | 4 |
| 2017 | 13 |
| 2018 | 8 |
| 2019 | 6 |
| 2020 | 8 |
| 2021 | 1 |
| 2022 | 3 |
| 2023 | 3 |
| 2024 | 1 |
| 2025 | 5 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Municipal Collections of America Inc.
The CFPB Consumer Complaint Database has logged 77 complaints against Municipal Collections of America Inc. overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Municipal Collections of America Inc. draw a 93.5% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response at a 21.9% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 2.6% closed with some form of monetary or non-monetary relief to the consumer.
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.
Frequently Asked Questions
How many CFPB complaints does Municipal Collections of America Inc. have?
Municipal Collections of America Inc. has 77 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Municipal Collections of America Inc. respond to complaints on time?
Municipal Collections of America Inc.'s CFPB timely-response rate is 93.5%.
What product generates the most complaints for Municipal Collections of America Inc.?
Among all products tied to Municipal Collections of America Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Municipal Collections of America Inc.?
"Communication tactics" is the single most frequently cited issue in complaints against Municipal Collections of America Inc. - see all issues and counts above.
How do I file a complaint against Municipal Collections of America Inc.?
You can file a complaint against Municipal Collections of America 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 Municipal Collections of America Inc.?
Consumers in 16 states and territories have filed complaints about Municipal Collections of America 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Municipal Collections of America 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 (21.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Municipal Collections of America Inc. have?
Municipal Collections of America Inc. has 77 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Municipal Collections of America Inc. respond to complaints on time?
Municipal Collections of America Inc.'s CFPB timely-response rate is 93.5%.
What product generates the most complaints for Municipal Collections of America Inc.?
Among all products tied to Municipal Collections of America Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Municipal Collections of America Inc.?
"Communication tactics" is the single most frequently cited issue in complaints against Municipal Collections of America Inc. - see all issues and counts above.
How do I file a complaint against Municipal Collections of America Inc.?
You can file a complaint against Municipal Collections of America 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 Municipal Collections of America Inc.?
Consumers in 16 states and territories have filed complaints about Municipal Collections of America 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.