CFPB Consumer Complaint Profile
Action Collection Agencies, Inc.
What 86 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 86
- Total complaints
- Mid-range
- 14
- Last 12 months
- 72.1%
- Timely response
- Bottom decile
- 19
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Action Collection Agencies, Inc. sits at #1428, with 86 complaints logged. It posts a 72.1% on-time response rate, the 6th percentile among companies with 100+ complaints.
- #1428
- of 3,843 companies by volume
- 72.1%
- on time (6th pctile)
- Debt collection
- most-complained product
- 19
- 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.
Action Collection Agencies, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
72.1% Among the lowest higher than 6% 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
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 |
|---|---|
| 2013 | 3 |
| 2014 | 4 |
| 2015 | 6 |
| 2016 | 6 |
| 2017 | 5 |
| 2018 | 8 |
| 2020 | 12 |
| 2021 | 10 |
| 2022 | 9 |
| 2023 | 4 |
| 2024 | 4 |
| 2025 | 10 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Action Collection Agencies, Inc.
86 complaints against Action Collection Agencies, Inc. appear in the CFPB record, including 14 from the trailing year. The 19 states and territories represented put this footprint in multi-regional 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 Action Collection Agencies, Inc. draw a 72.1% reply rate inside the Bureau's 15-day window. 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 at a 36.8% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% 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 Action Collection Agencies, Inc. have?
86 complaints have been filed against Action Collection Agencies, Inc. with the CFPB overall - 14 of them in the past year.
Does Action Collection Agencies, Inc. respond to complaints on time?
Action Collection Agencies, Inc. has a 72.1% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Action Collection Agencies, Inc.?
The most complained-about product for Action Collection Agencies, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Action Collection Agencies, Inc.?
The most common issue reported by consumers about Action Collection Agencies, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Action Collection Agencies, Inc.?
You can file a complaint against Action Collection Agencies, 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 Action Collection Agencies, Inc.?
Consumers in 19 states and territories have filed complaints about Action Collection Agencies, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Action Collection Agencies, 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 (36.8% 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.