CFPB Consumer Complaint Profile
Sound Collection Services
What 42 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 42
- Total complaints
- Mid-range
- 11
- Last 12 months
- 81%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
Sound Collection Services ranks #1996 of 3,843 financial companies by CFPB complaint volume, with 42 complaints on record. It posts a 81% on-time response rate, the 10th percentile among companies with 100+ complaints.
- #1996
- of 3,843 companies by volume
- 81%
- on time (10th pctile)
- Debt collection
- most-complained product
- 9
- 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.
Sound Collection Services vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81% Among the lowest higher than 10% 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 | 2 |
| 2015 | 5 |
| 2017 | 4 |
| 2018 | 2 |
| 2019 | 7 |
| 2020 | 6 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 2 |
| 2025 | 9 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Sound Collection Services
Sound Collection Services carries 42 complaints in the CFPB's database, 11 of them filed within the past 12 months. Consumers spanning 9 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Sound Collection Services draw a 81% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Consumers formally disputed the company's response at a 14.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Sound Collection Services have?
42 complaints have been filed against Sound Collection Services with the CFPB overall - 11 of them in the past year.
Does Sound Collection Services respond to complaints on time?
CFPB complaints against Sound Collection Services draw a 81% timely-response rate inside the expected window.
What product generates the most complaints for Sound Collection Services?
"Debt collection" draws more CFPB complaints against Sound Collection Services than any other product - see the full breakdown above.
What is the most common complaint issue with Sound Collection Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Sound Collection Services; the full issue list with counts is above.
How do I file a complaint against Sound Collection Services?
You can file a complaint against Sound Collection Services 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 Sound Collection Services?
The CFPB has recorded complaints against Sound Collection Services from 9 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Sound Collection Services: 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 (14.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Sound Collection Services have?
42 complaints have been filed against Sound Collection Services with the CFPB overall - 11 of them in the past year.
Does Sound Collection Services respond to complaints on time?
CFPB complaints against Sound Collection Services draw a 81% timely-response rate inside the expected window.
What product generates the most complaints for Sound Collection Services?
"Debt collection" draws more CFPB complaints against Sound Collection Services than any other product - see the full breakdown above.
What is the most common complaint issue with Sound Collection Services?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Sound Collection Services; the full issue list with counts is above.
How do I file a complaint against Sound Collection Services?
You can file a complaint against Sound Collection Services 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 Sound Collection Services?
The CFPB has recorded complaints against Sound Collection Services from 9 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.