CFPB Consumer Complaint Profile
State Collection Service, Inc.
Behind the 751 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 751
- Total complaints
- Among the highest
- 41
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 44
- States affected
The verdict
State Collection Service, Inc. ranks #397 of 3,843 financial companies by CFPB complaint volume, with 751 complaints on record. It posts a 99.7% on-time response rate, the 76th percentile among companies with 100+ complaints.
- #397
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Debt collection
- most-complained product
- 44
- states with complaints
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.
State Collection Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 10 |
| 2014 | 43 |
| 2015 | 43 |
| 2016 | 63 |
| 2017 | 77 |
| 2018 | 73 |
| 2019 | 61 |
| 2020 | 44 |
| 2021 | 90 |
| 2022 | 66 |
| 2023 | 63 |
| 2024 | 54 |
| 2025 | 53 |
| 2026year in progress | 11 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for State Collection Service, Inc.
751 complaints against State Collection Service, Inc. appear in the CFPB record, including 41 from the trailing year. The 44 states and territories represented put this footprint in nationwide territory. "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 "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.
State Collection Service, Inc.'s timely response rate stands at 99.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 14.3% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 3.2% 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 State Collection Service, Inc. have?
751 complaints have been filed against State Collection Service, Inc. with the CFPB overall - 41 of them in the past year.
Does State Collection Service, Inc. respond to complaints on time?
State Collection Service, Inc.'s CFPB timely-response rate is 99.7%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for State Collection Service, Inc.?
Among all products tied to State Collection Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with State Collection Service, Inc.?
The most common issue reported by consumers about State Collection Service, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against State Collection Service, Inc.?
You can file a complaint against State 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 State Collection Service, Inc.?
State Collection Service, Inc. has drawn CFPB complaints from 44 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for State 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 (14.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.