CFPB Consumer Complaint Profile
Action Credit, LLC
Consumers have filed 17 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 17
- Total complaints
- 5
- Last 12 months
- 76.5%
- Timely response
- 1
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Action Credit, LLC sits at #3077, with 17 complaints logged. 76.5% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #3077
- of 3,848 companies by volume
- 76.5%
- answered on time
- Payday loan, title l…
- most-complained product
- 1
- 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 |
|---|---|
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 2 |
| 2021 | 1 |
| 2023 | 2 |
| 2025 | 4 |
| 2026 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Action Credit, LLC
17 complaints against Action Credit, LLC appear in the CFPB record, including 5 from the trailing year. The 1 states and territories represented put this footprint in geographically concentrated territory. "Payday loan, title loan, or personal loan" 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 "Struggling to pay your loan," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Action Credit, LLC answers 76.5% of forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 Credit, LLC have?
17 complaints have been filed against Action Credit, LLC with the CFPB overall - 5 of them in the past year.
Does Action Credit, LLC respond to complaints on time?
Action Credit, LLC's CFPB timely-response rate is 76.5%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Action Credit, LLC?
Among all products tied to Action Credit, LLC, "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Action Credit, LLC?
"Struggling to pay your loan" is the single most frequently cited issue in complaints against Action Credit, LLC - see all issues and counts above.
How do I file a complaint against Action Credit, LLC?
You can file a complaint against Action Credit, LLC 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~17)
Also handles Payday loan, title loan, or personal loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.