Collection Company of America is the old trade name for Collecto, Inc., the Norwell, Massachusetts collector later branded EOS CCA. A call or letter under either name is still third-party collection. The company can work a placed or purchased account. It cannot skip verification on a disputed file or keep reporting a balance it failed to check.
Key Takeaways
- Collecto, Inc. began in 1991 as Collection Company of America. It joined the German EOS Group in 2001 and rebranded as EOS CCA in 2009.
- Headquarters listed for that lineage is Norwell, Massachusetts.
- In a recent CFPB debt-collection complaint ranking this collector sat at 533 of 1,294 companies, with 3 complaints in that window.
- In 2015 the CFPB sued Collecto, Inc. d/b/a EOS CCA in D. Mass. No. 1:15-cv-14024 over unverified AT&T cellphone accounts and inaccurate credit reporting.
- The stipulated judgment required at least $743,000 in consumer refunds and a $1.85 million civil penalty. The company settled without admitting the complaint’s allegations.
- FDCPA statutory damages still cap at $1,000 per case, plus actual damages and fees if you win a private suit.
- The Wood Firm PLLC reviews letters and tradelines under both the old CCA name and EOS CCA.
Free Case Review: +1-844-638-1122
Public history of the name is summarized on the EOS CCA Wikipedia page.
Who is Collection Company of America
Collection Company of America is a former doing-business-as name of Collecto, Inc. Paul E. Leary Sr. founded the company in 1991 in Norwell. Industry notices say Collecto joined the Hamburg-based EOS Group in 2001 and changed the consumer-facing brand to EOS CCA on October 5, 2009.
Later materials also use EOS USA. A letter may still say Collection Company of America, Collection Co of America, CCA, Collecto, or EOS CCA. Read the legal entity on the letterhead. In our practice we match that entity to the account number before anyone treats two envelopes as two companies.
The shop collected telecom, healthcare, education, and other consumer files. Buying paper does not, by itself, break the FDCPA. Collecting or reporting a disputed balance without verification is the issue the Bureau later pleaded.
How does Collection Company of America rank in CFPB complaints in 2026
Collection Company of America ranks 533 of 1,294 debt-collection companies in a recent CFPB complaint ranking, with 3 complaints in that window. Three reports is a small count next to the national giants. It is not a finding that the company followed the law on your file.
A CFPB complaint is a consumer report. It is not a court judgment. The 2015 consent order is a separate public record and still matters if your letter or tradeline looks like unverified telecom paper.
If your search used EOS CCA, Collecto, or Collection Company of America, keep the exact company string that appeared on the letter. Split names can hide volume.
What did the 2015 CFPB case say
The 2015 CFPB case said Collecto, Inc. d/b/a EOS CCA collected and reported old AT&T cellphone accounts that consumers had disputed and that EOS did not verify. The Bureau also alleged inaccurate furnishing to the credit bureaus and a failure to correct data EOS already knew was wrong.
The complaint was filed December 7, 2015, in the District of Massachusetts as No. 1:15-cv-14024. The Consumer Financial Protection Bureau announced a stipulated final judgment. The order required at least $743,000 in refunds on disputed, unverified accounts and a $1.85 million civil penalty. Combined, that is the “more than $2.5 million” figure in the Bureau’s press summary.
The order also barred collection and reporting on certain disputed AT&T accounts EOS could not substantiate, required account-level review before collecting some portfolios for five years, and limited resale of purchased paper for five years. A consent judgment is not a jury verdict. EOS said the settlement covered one 2012 telecom portfolio and that it did not admit the allegations.
Why is Collection Company of America or EOS CCA calling you
Collection Company of America or EOS CCA is calling you because an account was placed with Collecto or purchased by it. Telecom files were a large book in the 2010s. Healthcare and other consumer accounts appear too.
Ask for the original creditor and the date of first delinquency. A cellphone bill from the AT&T-era portfolio is the fact pattern the Bureau described. That does not prove your file was in that sale. It does tell you to demand account-level documents before you pay.
After-hours calls, family disclosures, and cease-letter violations are still ordinary FDCPA questions. See the FDCPA practice page.
How do you stop the calls
You stop the calls with a written dispute and, if you want silence, a cease letter under § 1692c(c). Log the date, time, number, and words. Save the voicemail.
- Demand the original creditor, the amount, and proof they can collect.
- Send the letter certified and keep the receipt.
- Pull the reports at AnnualCreditReport.com.
- Dispute any EOS CCA or Collecto tradeline that is paid, not yours, or never verified.
- File a record at the CFPB complaint portal and FTC ReportFraud.
A timely written dispute pauses collection of that debt until they mail verification. It does not erase the bill by itself. State AG contacts are listed at NAAG.
Can you sue Collection Company of America or EOS CCA
Yes. You can sue Collection Company of America or EOS CCA when the conduct on your file breaks the FDCPA, FCRA, or TCPA. The 2015 consent order is Bureau enforcement. It is not your private damages award. Three recent CFPB complaints do not block a private suit either.
FDCPA statutory damages cap at $1,000 per case. FCRA claims turn on inaccurate furnishing and the investigation after you dispute through a bureau. TCPA counts turn on cell-phone consent and the dialer. See the FCRA and TCPA pages. The FCC oversees the TCPA.
You do not have to prove the 2015 portfolio facts to challenge a jail threat or a workplace call after notice. Intake is described on how we work for you and why choose us.
How The Wood Firm PLLC reviews an EOS CCA file
The Wood Firm PLLC starts with the letterhead name, the original creditor, and the credit line. We look for a Collecto or EOS CCA tradeline that was disputed and never verified, and for ordinary FDCPA contact violations under the older Collection Company of America brand.
The same desk handles other agency pages, including BCA Financial Services, South Bay Collections, National Recovery Agency, Strategic Recovery Solutions, and iQor.
More names sit on the U.S. collection-agency list. Coverage is at practice areas and the firm home page.
Call +1-844-638-1122 if CCA or EOS CCA is on your phone or your report. Site terms: terms of service.
Frequently asked questions
Is Collection Company of America the same as EOS CCA
Yes. Collecto, Inc. used Collection Company of America, then CCA, then EOS CCA. Read the legal name on your letter.
Is Collection Company of America legitimate
Yes. Collecto, Inc. is a real Massachusetts collector. A real company can still violate the FDCPA or FCRA on a given file.
How does this collector rank in CFPB complaints
A recent debt-collection ranking placed this collector at 533 of 1,294 companies, with 3 complaints in that window. Those reports are not findings of liability.
What was the 2015 CFPB case about
The Bureau alleged EOS collected and reported disputed AT&T cellphone debts it did not verify, and furnished inaccurate data. The 2015 stipulated judgment required refunds and a civil penalty.
How do I verify they can collect my debt
Send a written validation request by certified mail. Collection of that account should pause until they mail verification.
Can they sue me for old debt
Only if the claim is still inside your state’s limitations period. Threatening a suit they know is time-barred is the FDCPA issue.
What if they threaten arrest
Write down the words. Consumer debt is a civil claim. Arrest talk is a false-threat fact.
Can I sue if I owe the debt
Yes. Conduct claims stand even when the balance is real.
Will a CFPB complaint stop calls
No. A CFPB file documents the problem. A received cease letter is what limits contact.
Do I pay attorney fees upfront
No. Contingency is the usual structure on these statutes. The collector pays fees if you win a covered claim.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
