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Business Profile

Collections Agencies

Collections U.S.A. Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Collections U.S.A. Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Collections U.S.A. Inc. has 4 locations, listed below.

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    Customer Complaints Summary

    • 44 total complaints in the last 3 years.
    • 17 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/21/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently received a letter from your company regarding an alleged debt I supposedly owe, and I would like to address this matter promptly. The account listed below, with the number provided in the letter, claims that I owe a certain amount, but I dispute this debt.According to the Fair Debt Collection Practices Act (*****), you must provide evidence to support the debt. If you are unable to do so, the debt cannot be reported on my credit report (15 U.S.C. 1692(g); 15 U.S.C. 1681b).Account Number: ****************** Alleged Amount: [Amount]Under 15 U.S. Code 1681e(b) and 1681i(5), I request that you delete this account immediately. I also ask that you confirm whether I owe this debt in compliance with applicable laws (12 CFR Part 1006, 15 U.S.C. 1692g). Please contact the creditor if necessary to verify the debt.Until this debt is verified, I instruct you to cease all collection activities, including contacting me or anyone else, as outlined by the ***** and ****. Additionally, any reporting of this matter to credit bureaus is premature. If negative information has already been reported, it must be removed until the investigation is complete, or at the very least updated to reflect that I am disputing this debt.If the debt is verified, please provide documentation, including the application, bills, payment records, and any other evidence showing my responsibility. If it cannot be verified, I expect written confirmation that I am not liable for this debt and that any negative reports to credit agencies will be corrected.Lastly, I request that you cease contacting third parties, including my employer, neighbors, or family members. All future communication should be in writing. Please confirm receipt of this notice within 14 days.

      Business Response

      Date: 04/30/2025

      Hi-

       

      We are sending validation documentation to Mr. ****** to the address listed on this complaint.  Please let me know if there are any questions.

      Thanks,


      ** ******

    • Initial Complaint

      Date:04/07/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I honestly dont get why COLLECTIONS USA *** is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ************** Amount Disputed: $5640

      Business Response

      Date: 04/10/2025

      Hi-

       

      We have reviewed the complaint filed with your office.  We mailed validation after it was requested on 3-26-24.  We are again mailing validation to the address listed on this complaint,  The charges are from a lease break fee and other move out charges from the apartment rented at ******************/ Renew ****************** Apartments,  If there are any other questions, please let us know.

       

      Thanks,

       

      ** ******

    • Initial Complaint

      Date:03/31/2025

      Type:Order Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Collections attorney ***. I do not have a contract with Collections attorney ***. They have not provided me a bill stating they can collect this debt. A voicemail was left to me on 3/27/25. Stating that since they couldnt reach me they were going to contact my place of employment. Then they left the phone number for this company ************ and said if they didnt hear from me they were going to locate me at the premises of my home. I called and they threatened me saying they were filing 3 separate charges against me. I told them I could make payments to resolve my account and told them what I could afford (although they claim they are collecting on behalf of *****, but have failed to send me any proof in the mail.) They told me they couldnt do that and I had to pay $1200 or $90/ week for 12 months. I told them I couldnt afford that and they said they would continue with charges. The only time I heard from Collection attorney USA was through this voicemail I received where they said they would contact my employer and then come to my home. After I received the voicemail I went through my email and searched the original creditor (Acima) and I had one email from them from one month ago that I didnt see until now because it was 4 days before I gave birth to my baby.

      Business Response

      Date: 04/02/2025

      Hi-

       

      I don't believe this is with our agency.  We don't see anything for the consumers name and the attachment included in this complaint was not sent from our office.  We are Collections USA and located in ***********  Please let me know if I can be of any help.

       

      Thanks,


      ** ******

      Customer Answer

      Date: 04/02/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
      I apologize, I realize now the addresses are different. 

      Regards,

      ***** *********

       

    • Initial Complaint

      Date:03/27/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Inaccurate balance Incomplete payment history Unverified debt Under FCRA 1681i(a), you are required to conduct a reasonable reinvestigation of these items. If you cannot verify them with 100% accuracy, they must be deleted from my report immediately. Additionally, case law supports my position:******* v. ****************, 115 F.3d 220 (3rd Cir. 1997) Credit bureaus are required to conduct an independent investigation beyond simply relying on the data furnisher.********** v. ***************************, 190 F. Supp. 2d 81 (D. Mass. 2001) Credit reporting agencies must remove unverifiable accounts if they cannot be substantiated.****** v. *******************, 29 F.3d 280 (7th Cir. 1994) Inaccurate information that cannot be verified must be deleted from the credit report.Pursuant to FCRA 1681s-2(b), data furnishers must also conduct a proper investigation. If they cannot verify the accuracy of the accounts, they must request deletion.I demand that these inaccurate and incomplete accounts be removed from my credit file within 30 days, as required by law. If this matter is not resolved promptly, I am prepared to escalate the issue with the ************************************ (****) and take legal action if necessary.Please provide written confirmation once the disputed items have been corrected or deleted. Additionally, send me an updated copy of my credit report reflecting these changes.Thank you for your prompt attention to this matter. I look forward to your timely response.

      Business Response

      Date: 04/02/2025

      We have previously sent validation to the consumer.  We are sending validation again today to the address included on this complaint. if there are questions, we are happy to discuss an amicable resolution.

       

      Thanks,


      Ed Bramel 

      Customer Answer

      Date: 04/02/2025


      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

      Regards,

      ******* ******

       

    • Initial Complaint

      Date:02/28/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CLLCTIONSUSA - 00CAM0660008538379 - $5,095.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 03/05/2025

      Hi-

      We are sending this account back to the original creditor and requesting the deletion of the information reported to the credit bureaus.

       

      Thanks,

      ** ******

    • Initial Complaint

      Date:02/20/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Collections USA. I do not have a contract with Collections USA. They did not provide me with the original contract as I requested.

      Business Response

      Date: 02/24/2025

      Hi-

      We have reviewed the complaint filed with your office. Our records indicate that validation has been previously sent on 5-6-2024 and again 11-6-2024.  We are sending validation again to the address on this complaint.  Please let us know if there are any other questions.

       

      Thanks,

      ** ******

    • Initial Complaint

      Date:01/31/2025

      Type:Customer Service Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ************************* I do not have a contract with ************************* They did not provide me with the original contract as I requested.

    • Initial Complaint

      Date:01/01/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for the debt with nightingale on 25th apartments or collections USA **** I do not have a contract with collections USA *** that is trying to collect. They did not provide me with an original contract as requested.

      Business Response

      Date: 01/07/2025

      Hi-

      We are mailing a copy of validation along with detail charges to Mr. ************* These charges pertain to the apartment rented on 3-31-2022 at Nightingale on 25th.  The charges include past due rent, lease break, damages and other charges.  Please let me know if there are any other questions.

       

      Thanks,

      ** ******

    • Initial Complaint

      Date:10/21/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with COLLECTIONS USA, I do not have a contract with COLLECTIONS USA, They did not provide me with the original contract as I requested.

      Business Response

      Date: 11/01/2024

      Hi,

      We have sent validation to Mr. ******** that included copies of the contract and charges.  We are sending them again today to the address listed on this complaint. Please let me know if you have any questions.

       

      Thanks, 

      ** ******

    • Initial Complaint

      Date:10/20/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I did not enter any contracts with this company. I do not know who they are and did not give them permission to report anything on my credit. They failed to show me proof of the contract that was signed.

      Business Response

      Date: 10/24/2024

      Hi-

       

      We have reviewed the complaint with your office.  We have sent validation to Mr. *********** This will include the charges that we listed for collection in our office by Hampton Point Apartments.  Please let me know if you have any questions.

       

      Thanks,

       

      ** ******

    Collections U.S.A. Inc. is NOT a BBB Accredited Business.

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