CFPB Consumer Complaint Profile
Accredited Collection Service, Inc.
Behind the 37 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 37
- Total complaints
- 9
- Last 12 months
- 86.5%
- Timely response
- 7
- States affected
The verdict
37 CFPB complaints put Accredited Collection Service, Inc. at #2115 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 86.5%, trailing the 93% median among companies with 100+ complaints.
- #2115
- of 3,848 companies by volume
- 86.5%
- answered on time
- Debt collection
- most-complained product
- 7
- states with complaints
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 | 6 |
| 2016 | 2 |
| 2017 | 4 |
| 2018 | 2 |
| 2019 | 3 |
| 2020 | 2 |
| 2022 | 2 |
| 2023 | 2 |
| 2024 | 4 |
| 2025 | 8 |
| 2026 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Accredited Collection Service, Inc.
The CFPB Consumer Complaint Database has logged 37 complaints against Accredited Collection Service, Inc. overall, with 9 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
Accredited Collection Service, Inc.'s timely response rate stands at 86.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 18.2% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Accredited Collection Service, Inc. have?
Accredited Collection Service, Inc. has 37 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Accredited Collection Service, Inc. respond to complaints on time?
Accredited Collection Service, Inc. has a 86.5% timely response rate to CFPB complaints.
What product generates the most complaints for Accredited Collection Service, Inc.?
"Debt collection" draws more CFPB complaints against Accredited Collection Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Accredited Collection Service, Inc.?
The most common issue reported by consumers about Accredited Collection Service, Inc. is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Accredited Collection Service, Inc.?
You can file a complaint against Accredited Collection Service, 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 Accredited Collection Service, Inc.?
The CFPB has recorded complaints against Accredited Collection Service, Inc. from 7 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~37)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.