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Business Profile

Collections Agencies

Collection Associates, LTD.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 34 total complaints in the last 3 years.
  • 10 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:08/17/2025

    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 am disputing an invalid account reported by Credit Associates on my consumer credit reports. This account is inaccurate, unverified and it violates the Fair Credit Reporting Act (FCRA). Since it does NOT meet the legal standards for reporting, I request the immediate removal of this account from all three bureaus. If the furnishers cannot provide proper validation, it must be deleted per federal law.

    Business Response

    Date: 08/19/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:08/05/2025

    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'm not liable with this debt with consumer adjustment company Collection Associates *** At ************************* they don't provide me with the original contract that I requested

    Business Response

    Date: 08/06/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns.

  • Initial Complaint

    Date:06/30/2025

    Type:Billing Issues
    Status:
    Unresolved
    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.
    My name is ****** ******, and I am filing a formal complaint against Collection Associates, *** (CA***) regarding a debt collection letter I received dated April 30, 2025, with Reference Number: CA930316 for the alleged amount of $1,092.01, related to ***************** / Uown Leasing.I dispute this debt entirely. I have no known account, relationship, or financial obligation to ***************** or ************. I have never entered into any agreement with either entity, nor have I received any services or goods that would justify this alleged debt. Therefore, I will not assume responsibility for a debt that is inaccurate and unsubstantiated.The letter I received also included a time-sensitive Income Tax Refund settlement offer, which I believe is an inappropriate and potentially misleading tactic, especially considering this debt has not been validated in accordance with the Fair Debt Collection Practices Act (FDCPA).I respectfully request that Collection Associates, *** take the following actions:Immediately cease all collection efforts related to this alleged debt.Provide full validation and documentation that legally confirms I owe this debt.Confirm in writing that this matter is closed if no such validation can be provided.Refrain from reporting this debt to any credit reporting agencies unless and until the debt is validated.I appreciate the Better Business Bureaus assistance in resolving this matter swiftly and ensuring that debt collection agencies adhere to fair and lawful practices.

    Business Response

    Date: 07/11/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

    Customer Answer

    Date: 07/21/2025

    Dear Better Business Bureau,


    Good morning, and thank you for reaching out regarding my complaint, ID ********, against Collection Associates, LTD.
    I am providing additional information as requested to help move this complaint forward. Back in April 2025, I received a phone call from Collection Associates, LTD. in reference to a debt they claimed I owed. During that initial conversation, the representative informed me that they had an offer related to the debt, but they did not provide clear details about the original creditor or the nature of the debt during the call. I requested that they send me a formal letter with more information so I could better understand the account and verify whether the debt was valid.
    Shortly after that call, I received a letter in the mail outlining a settlement offer but still providing very little information regarding the origin of the account. On May 15, 2025, I contacted Collection Associates, LTD. again to seek clarification. During that phone call, I informed the representative that I did not recognize the debt in question and had no record or recollection of doing business with the original company they referenced. I asked for more information or any supporting documentation that could help validate the account and clarify why I was being held responsible for this debt.


    Unfortunately, they were unable to provide any detailed information about the nature of the debt, the services or products supposedly rendered, or even a verifiable link to any account I may have had. They simply stated that the account had been transferred to them from another company, but they could not confirm the legitimacy of the debt or provide sufficient documentation to support it. I also was not able to verify ever having an account or any type of business relationship with the company they claimed to have received the debt from.


    Adding to my concern, this alleged debt has now been reported to my credit report, which is negatively affecting my credit standing. Given the lack of clear information, the inability of the agency to verify the debt, and the impact on my credit file, I am turning to the Better Business Bureau for assistance in resolving this matter. I am requesting that Collection Associates, LTD. either provide verifiable proof of the debt, including a detailed explanation of the charges and their origin, or remove the account from my credit report entirely.


    I appreciate the BBBs help in mediating this issue, and I am committed to cooperating fully to bring it to a fair and transparent resolution. Please let me know if any further documentation or clarification is required on my part.
    Thank you again for your time and assistance.


    Business Response

    Date: 08/04/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

    Customer Answer

    Date: 08/08/2025

    Hello Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    I dispute any alleged debt referenced by this company and request full validation as required by law. While I acknowledge the companys reference to the ***** and privacy laws, nothing in the ***** (15 U.S.C. 1692c(b)) prohibits a debt collector from confirming the existence of an account or providing debt validation to the consumer through a forum the consumer has initiated, so long as no unauthorized third-party disclosure occurs. The BBB is a complaint resolution forum initiated by me, and my filing constitutes my express consent to discuss the matter here.

    I have already provided sufficient identifying information for the company to locate any account in question. Under the ***** (15 U.S.C. 1692g), I have the right to receive written validation of any alleged debt, including the name of the original creditor, the amount claimed, and proof that the debt is owed. The companys current reply fails to address those legal obligations and instead attempts to redirect me to private communication, which would eliminate the documented public record of this dispute.

    I request that the company provide the following through the BBB portal so it is documented and removal of the debt to my credit in the process. 

    Confirmation of whether an account exists in my name.
    Validation of any alleged debt in compliance with 1692g.
    The name and contact information of the original creditor.

    Failure to respond in this forum should be treated as a refusal to comply with the BBB process and an unwillingness to resolve the matter transparently.

    Thank you for your attention and time to this matter. 

    Sincerely, 

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

  • Initial Complaint

    Date:06/26/2025

    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 ,COLLECTION ASSOCIATES *** I do not have a contract with COLLECTION ASSOCIATES *** ,they did not provide me with the original contract as i requested

    Business Response

    Date: 07/01/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:05/12/2025

    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 Collection Associates **** I do not have a contract with Collection Associates **** they did not provide me with the original contract as i requested.

    Business Response

    Date: 05/13/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:05/12/2025

    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 Collection Associates **** I do not have a contract with Collection Associates **** they did not provide me with original contract as requested

    Business Response

    Date: 05/13/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:03/13/2025

    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'm not liable for this debt with Collection Associates. I do not have a contract with the collection agency reporting this account on my credit report. They did not provide me with the original contract as requested and violates the Fair Credit Reporting Act (FCRA).

    Business Response

    Date: 03/13/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:03/05/2025

    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 am disputing an invalid account reported by Credit Associates on my consumer credit reports. This account is inaccurate, unverified and it violates the Fair Credit Reporting Act (FCRA). Since it does NOT meet the legal standards for reporting, I request the immediate removal of this account from all three bureaus. If the furnishers cannot provide proper validation, it must be deleted per federal law.

    Customer Answer

    Date: 03/05/2025

    This complaint was also forwarded to the ****.

    Business Response

    Date: 03/07/2025

    Our office has closed the account and put in for a removal from the *************. Please contact our office at ************ if you have any questions. 

  • Initial Complaint

    Date:03/05/2025

    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 and I do not have a contract with COLLECT ASSO plus they did not provide me with the original application like I asked.Account No: CA93 Amount Disputed: $1,754

    Business Response

    Date: 03/05/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

  • Initial Complaint

    Date:01/28/2025

    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 CREDIT NINJA.I do not have a contract with the COLLECTION ASSOCIATES **** they did not provide me with the original contract as I requested.

    Business Response

    Date: 01/29/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

    Customer Answer

    Date: 01/29/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

    [Please type your response here.]
    I do not have a contract with you or the creditor so this should be removed from my credit report. ASAP Please fix this immediately as it is hurting my chances of buying a new home and this is NOT Accurate.
    Regards,

    ******* Cotton

    Business Response

    Date: 01/30/2025

    Due to privacy laws and the ****** we cannot confirm or deny if the consumer has an account with our office, due to the public nature of this forum. We encourage the consumer to contact our office directly by phone at ************ or by email at *************************************************** to discuss any concerns. 

Collection Associates, LTD. is NOT a BBB Accredited Business.

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