Applied Business Services, Inc.

What the CFPB Record Shows for Applied Business Services, Inc.

PlainCredit places Applied Business Services, Inc. at #557 of 656 debt collectors by CFPB debt-collection complaint volume (15th percentile), matching the Collectors directory ranking. Applied Business Services, Inc. has 118 debt-collection complaints on file with the CFPB, which represents 72.8% of the 162 total complaints the Bureau has received about this entity. Reports have originated from consumers in 29 states and territories, making this a multi-state collection operation as measured by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

The company's timely response rate is 72.8%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. Of resolved cases, 0% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 14.3% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

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