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 2026-05-15
- 751
- Total complaints
- 41
- Last 12 months
- 99.7%
- Timely response
- 44
- States affected
The verdict
State Collection Service, Inc. ranks #397 of 3,848 financial companies by CFPB complaint volume, with 751 complaints on record. It answers 99.7% of complaints on time - above the 93% median for companies with 100+ complaints.
- #397
- of 3,848 companies by volume
- 99.7%
- answered on time
- Debt collection
- most-complained product
- 44
- states with complaints
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 |
| 2026 | 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 was formally disputed in 14.3% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~751)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.