CFPB Consumer Complaint Profile

SCA Collections, Inc.

Consumers have filed 646 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

646
Total complaints
40
Last 12 months
96%
Timely response
29
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, SCA Collections, Inc. sits at #439, with 646 complaints logged. Its on-time response rate is 96%, ahead of the 93% median among companies with 100+ complaints.

#439
of 3,848 companies by volume
96%
answered on time
Debt collection
most-complained product
29
states with complaints
SCA Collections, Inc. timely response rate 96.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 291
Debt collection - I do not know 116
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 98
Debt collection - Medical 71
Debt collection - Other debt 31
Credit reporting or other personal consumer reports - Credit reporting 18
Debt collection - Credit card debt 9
Debt collection - Other (i.e. phone, health club, etc.) 4
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services 2
Credit reporting 2

Top Issues

1.Attempts to collect debt not owed 211
2.Written notification about debt 149
3.Incorrect information on your report 53
4.Cont'd attempts collect debt not owed 45
5.Disclosure verification of debt 38
6.Problem with a credit reporting company's investigation into an existing problem 34
7.False statements or representation 29
8.Took or threatened to take negative or legal action 29
9.Improper use of your report 23
10.Communication tactics 13

Complaints by Year

Year Complaints
2013 1
2014 7
2015 34
2016 37
2017 77
2018 55
2019 68
2020 50
2021 110
2022 88
2023 39
2024 26
2025 45
2026 9

Complaints by State (Top 15)

North Carolina 292
South Carolina 127
Georgia 48
California 34
Florida 26
Tennessee 25
Virginia 24
Alabama 11
Oregon 7
Colorado 7
Texas 5
VI 4
Utah 4
Kentucky 3
New Mexico 2

Company Responses

Closed with explanation 646

What the CFPB Complaint Record Shows for SCA Collections, Inc.

SCA Collections, Inc. carries 646 complaints in the CFPB's database, 40 of them filed within the past 12 months. Consumers spanning 29 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

96% of CFPB-forwarded complaints against SCA Collections, Inc. get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 29.9% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 SCA Collections, Inc. have?

The CFPB has logged 646 complaints against SCA Collections, Inc. to date, of which 40 came in over the last 12 months.

Does SCA Collections, Inc. respond to complaints on time?

96% of the CFPB complaints against SCA Collections, Inc. get a response within the expected window. That is a strong response record by CFPB standards.

What product generates the most complaints for SCA Collections, Inc.?

The most complained-about product for SCA Collections, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with SCA Collections, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against SCA Collections, Inc. - see all issues and counts above.

How do I file a complaint against SCA Collections, Inc.?

You can file a complaint against SCA Collections, 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 SCA Collections, Inc.?

The CFPB has recorded complaints against SCA Collections, Inc. from 29 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

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Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.