Debt collector · complaint record
Collections USA complaints
Filed under COLLECTIONS USA, INC.
Consumers have filed 205 complaints about Collections USA since 2014, 39 of them in the last 12 months (-34% on the year before). It answered 97.4% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Weak response record. How it works
- Complaints on record
- 205
- Last 12 months
- 39
- Answered on time
- 97.4%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #363 of 1,963
Since July 2014
-34% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 11, 2026
Most complained-about debt collectors
Collections USA complaints by month
The busiest month was July 2025 (10 complaints). Complaints in the last 12 months are down 34% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Collections USA answered last 12 months
- Closed with explanation39100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time33/4597.4% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-34% vs last year
What Collections USA complaints are about
Top Collections USA problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 34
- Debt was paid 12
- Debt was result of identity theft 8
- Debt was already discharged in bankruptcy and is no longer owed 2
Where Collections USA complaints come from
Most complaints: Arizona (131), Georgia (31), California (11), South Carolina (7), Texas (5).
Collections USA compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | Reliable Credit AssociationDebt collection | 12 | 39 | F |
| 4 | RMS-Recovery Management ServicesDebt collection | 40 | 39 | D |
| 5 | UnisaDebt collection | 18 | 39 | F |
| 6 | Texas GuaranteedDebt collection | 60 | 39 | C |
| 7 | United AccountsDebt collection | 5 | 39 | F |
| 8 | Collections USADebt collection | 48 | 39 | D |
Compare side by side: Collections USA vs Remex · Collections USA vs Merchants Credit Bureau · Collections USA vs Reliable Credit Association · Collections USA vs RMS-Recovery Management Services
What people say about Collections USA
All experiencesNo experiences with Collections USA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Collections USA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 15, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 20, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 9, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Collections USA
How many complaints does Collections USA have?
Collections USA has 205 complaints on record since July 2014, including 39 in the last 12 months and 0 in the last 30 days. That makes it number 768 of every company by complaints this year.
Does Collections USA respond to complaints?
Yes. Collections USA answered 97.4% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 48/100 (grade D).
What do people complain about most with Collections USA?
The most common problems are took or threatened to take negative or legal action (22), attempts to collect debt not owed (56), incorrect information on your report (21).
Is Collections USA legit?
Collections USA is a real company with a public complaint record: consumers have complained about it 205 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Collections USA legit? for the signals, red flags and how to protect yourself.
Are complaints about Collections USA going up or down?
Down. There were 39 complaints in the last 12 months against 59 in the 12 before (-34%). See every month.
How do I file a complaint against Collections USA?
Complain to Collections USA in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Collections USA complaints come from?
Most come from Arizona (131), Georgia (31), California (11). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Collections USA
No comments yet. Start the conversation - questions are welcome too.