CFPB Consumer Complaint Profile
Access Credit Management, Inc.
51 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 51
- Total complaints
- Mid-range
- 15
- Last 12 months
- 86.3%
- Timely response
- Bottom quartile
- 5
- States affected
The verdict
51 CFPB complaints put Access Credit Management, Inc. at #1807 out of 3,843 financial companies ranked by complaint volume. It posts a 86.3% on-time response rate, the 13th percentile among companies with 100+ complaints.
- #1807
- of 3,843 companies by volume
- 86.3%
- on time (13th pctile)
- Debt collection
- most-complained product
- 5
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Access Credit Management, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
86.3% Among the lowest higher than 13% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3 in 2024 to 14 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 2 |
| 2018 | 2 |
| 2020 | 6 |
| 2021 | 4 |
| 2022 | 4 |
| 2023 | 8 |
| 2024 | 3 |
| 2025 | 14 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Access Credit Management, Inc.
51 complaints against Access Credit Management, Inc. appear in the CFPB record, including 15 from the trailing year. The 5 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Access Credit Management, Inc. draw a 86.3% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 2% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Access Credit Management, Inc. have?
The CFPB has logged 51 complaints against Access Credit Management, Inc. to date, of which 15 came in over the last 12 months.
Does Access Credit Management, Inc. respond to complaints on time?
Access Credit Management, Inc.'s CFPB timely-response rate is 86.3%.
What product generates the most complaints for Access Credit Management, Inc.?
The most complained-about product for Access Credit Management, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Access Credit Management, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Access Credit Management, Inc. - see all issues and counts above.
How do I file a complaint against Access Credit Management, Inc.?
You can file a complaint against Access Credit Management, Inc. 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 Access Credit Management, Inc.?
The CFPB has recorded complaints against Access Credit Management, Inc. from 5 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Access Credit Management, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.