CFPB Consumer Complaint Profile
Action Credit, LLC
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 5
- Last 12 months
- 76.5%
- Timely response
- Bottom decile
- 1
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Action Credit, LLC sits at #3073. For answering complaints on time it stands at the 8th percentile in the 100+ complaint peer group.
- Payday loan, title l…
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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 Credit, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.5% Among the lowest higher than 8% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 4 |
| 2019 | 2 |
| 2020 | 2 |
| 2021 | 1 |
| 2023 | 2 |
| 2025 | 4 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Action Credit, LLC
In the CFPB record, Action Credit, LLC has a geographically concentrated complaint footprint. "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, the timely-response measure shows how often forwarded complaints get a reply. This company's rate 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. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
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.