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 2026-05-15
- 106
- Total complaints
- 17
- Last 12 months
- 92.5%
- Timely response
- 21
- States affected
The verdict
106 CFPB complaints put Action Collection Service at #1291 out of 3,848 financial companies ranked by complaint volume. It answers 92.5% of complaints on time - below the 93% median for companies with 100+ complaints.
- #1291
- of 3,848 companies by volume
- 92.5%
- answered on time
- Debt collection
- most-complained product
- 21
- 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 |
|---|---|
| 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 |
| 2026 | 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 was formally disputed in 37.5% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (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 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?
92.5% of the CFPB complaints against Action Collection Service get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~106)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.