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 2026-05-15
- 84
- Total complaints
- 0
- Last 12 months
- 97.6%
- Timely response
- 25
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Action Financial Services, LLC has accumulated 84 complaints, placing it #1444 by volume. Its on-time response rate is 97.6%, ahead of the 93% median among companies with 100+ complaints.
- #1444
- of 3,848 companies by volume
- 97.6%
- answered on time
- Debt collection
- most-complained product
- 25
- 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 |
|---|---|
| 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 answers 97.6% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 20% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~84)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.