CFPB Consumer Complaint Profile

A.C.S. Companies, Inc. I

What 16 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

16
Total complaints
2
Last 12 months
31.3%
Timely response
10
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, A.C.S. Companies, Inc. I has accumulated 16 complaints, placing it #3158 by volume. It answers 31.3% of complaints on time - below the 93% median for companies with 100+ complaints.

#3158
of 3,848 companies by volume
31.3%
answered on time
Debt collection
most-complained product
10
states with complaints
A.C.S. Companies, Inc. I timely response rate 31.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 4
Debt collection - Other debt 3
Debt collection - Medical debt 2
Prepaid card - Government benefit card 1
Credit reporting or other personal consumer reports - Other personal consumer report 1
Credit reporting or other personal consumer reports - Credit reporting 1
Credit card - General-purpose credit card or charge card 1
Debt collection - Other (i.e. phone, health club, etc.) 1
Debt collection - Medical 1
Debt collection - Payday loan debt 1

Top Issues

1.Attempts to collect debt not owed 3
2.Took or threatened to take negative or legal action 3
3.Written notification about debt 2
4.Communication tactics 2
5.Unexpected or other fees 1
6.Incorrect information on your report 1
7.Improper use of your report 1
8.Fees or interest 1
9.False statements or representation 1
10.Electronic communications 1

Complaints by Year

Year Complaints
2015 1
2016 1
2017 1
2018 1
2019 1
2022 1
2023 4
2024 4
2025 2

Complaints by State (Top 15)

Illinois 3
California 3
Kentucky 2
Texas 2
New Jersey 1
Missouri 1
South Carolina 1
Pennsylvania 1
Oklahoma 1
Virginia 1

Company Responses

Untimely response 11
Closed with explanation 5

What the CFPB Complaint Record Shows for A.C.S. Companies, Inc. I

A.C.S. Companies, Inc. I carries 16 complaints in the CFPB's database, 2 of them filed within the past 12 months. Consumers spanning 10 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, A.C.S. Companies, Inc. I answers 31.3% of forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response in 50% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does A.C.S. Companies, Inc. I have?

A.C.S. Companies, Inc. I has 16 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.

Does A.C.S. Companies, Inc. I respond to complaints on time?

31.3% of the CFPB complaints against A.C.S. Companies, Inc. I get a response within the expected window. This is below the typical industry benchmark of 95%.

What product generates the most complaints for A.C.S. Companies, Inc. I?

"Debt collection" draws more CFPB complaints against A.C.S. Companies, Inc. I than any other product - see the full breakdown above.

What is the most common complaint issue with A.C.S. Companies, Inc. I?

The most common issue reported by consumers about A.C.S. Companies, Inc. I is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against A.C.S. Companies, Inc. I?

You can file a complaint against A.C.S. Companies, Inc. I directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about A.C.S. Companies, Inc. I?

A.C.S. Companies, Inc. I has drawn CFPB complaints from 10 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.