CFPB Consumer Complaint Profile
Action Financial Services, LLC
What 84 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
- 84
- Total complaints
- Mid-range
- 0
- Last 12 months
- 97.6%
- Timely response
- Below median
- 25
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Action Financial Services, LLC has accumulated 84 complaints, placing it #1442 by volume. Its on-time response rate is 97.6%, the 44th percentile among companies with 100+ complaints.
- #1442
- of 3,843 companies by volume
- 97.6%
- on time (44th pctile)
- Debt collection
- most-complained product
- 25
- 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 Financial Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.6% Around the middle higher than 44% 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 |
|---|---|
| 2014 | 5 |
| 2015 | 1 |
| 2016 | 7 |
| 2017 | 8 |
| 2018 | 23 |
| 2019 | 25 |
| 2020 | 10 |
| 2021 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Action Financial Services, LLC
The CFPB Consumer Complaint Database has logged 84 complaints against Action Financial Services, LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 25 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Written notification about debt" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Action Financial Services, LLC posts a 97.6% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% 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 Financial Services, LLC have?
The CFPB has logged 84 complaints against Action Financial Services, LLC to date, of which 0 came in over the last 12 months.
Does Action Financial Services, LLC respond to complaints on time?
Action Financial Services, LLC has a 97.6% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Action Financial Services, LLC?
The most complained-about product for Action Financial Services, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Action Financial Services, LLC?
The most common issue reported by consumers about Action Financial Services, LLC is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against Action Financial Services, LLC?
You can file a complaint against Action Financial Services, 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.
In how many states have consumers complained about Action Financial Services, LLC?
Consumers in 25 states and territories have filed complaints about Action Financial Services, LLC 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 Financial Services, LLC: 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 (20% 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.