CFPB Consumer Complaint Profile
Action Collection Service
What 106 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
- 106
- Total complaints
- Mid-range
- 17
- Last 12 months
- 92.5%
- Timely response
- Bottom quartile
- 21
- States affected
The verdict
106 CFPB complaints put Action Collection Service at #1289 out of 3,843 financial companies ranked by complaint volume. It posts a 92.5% on-time response rate, the 22nd percentile among companies with 100+ complaints.
- #1289
- of 3,843 companies by volume
- 92.5%
- on time (22nd pctile)
- Debt collection
- most-complained product
- 21
- 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 Service vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.5% Among the lowest higher than 22% 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 | 5 |
| 2014 | 9 |
| 2015 | 11 |
| 2016 | 6 |
| 2017 | 5 |
| 2018 | 5 |
| 2019 | 5 |
| 2020 | 6 |
| 2021 | 7 |
| 2022 | 10 |
| 2023 | 9 |
| 2024 | 8 |
| 2025 | 12 |
| 2026year in progress | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Action Collection Service
106 complaints against Action Collection Service appear in the CFPB record, including 17 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
Action Collection Service's timely response rate stands at 92.5%, 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. The company's response carried a 37.5% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 2.8% 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, 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 Service have?
Action Collection Service has 106 total consumer complaints filed with the CFPB, with 17 filed in the last 12 months.
Does Action Collection Service respond to complaints on time?
CFPB complaints against Action Collection Service draw a 92.5% timely-response rate inside the expected window.
What product generates the most complaints for Action Collection Service?
"Debt collection" draws more CFPB complaints against Action Collection Service than any other product - see the full breakdown above.
What is the most common complaint issue with Action Collection Service?
Consumers most often cite "Communication tactics" when complaining about Action Collection Service; the full issue list with counts is above.
How do I file a complaint against Action Collection Service?
You can file a complaint against Action Collection Service 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 Service?
The CFPB has recorded complaints against Action Collection Service from 21 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 Action Collection Service: 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 (37.5% 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.