CFPB Consumer Complaint Profile
American Collection Services, Inc. (OK, TX)
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 112
- Total complaints
- Mid-range
- 14
- Last 12 months
- 100%
- Timely response
- Top decile
- 14
- States affected
The verdict
American Collection Services, Inc. (OK, TX) ranks #1260 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 86th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- OK
- 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.
American Collection Services, Inc. (OK, TX) vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 7 |
| 2015 | 7 |
| 2016 | 5 |
| 2017 | 3 |
| 2018 | 11 |
| 2019 | 4 |
| 2020 | 5 |
| 2021 | 13 |
| 2022 | 10 |
| 2023 | 16 |
| 2024 | 13 |
| 2025 | 12 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Collection Services, Inc. (OK, TX)
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for American Collection Services, Inc. (OK, TX), with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Written notification about debt" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
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 at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Collection Services, Inc. (OK, TX): 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 (4.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does American Collection Services, Inc. (OK, TX) have?
112 complaints have been filed against American Collection Services, Inc. (OK, TX) with the CFPB overall - 14 of them in the past year.
Does American Collection Services, Inc. (OK, TX) respond to complaints on time?
American Collection Services, Inc. (OK, TX)'s CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for American Collection Services, Inc. (OK, TX)?
"Debt collection" draws more CFPB complaints against American Collection Services, Inc. (OK, TX) than any other product - see the full breakdown above.
What is the most common complaint issue with American Collection Services, Inc. (OK, TX)?
"Written notification about debt" is the single most frequently cited issue in complaints against American Collection Services, Inc. (OK, TX) - see all issues and counts above.
How do I file a complaint against American Collection Services, Inc. (OK, TX)?
You can file a complaint against American Collection Services, Inc. (OK, TX) 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 American Collection Services, Inc. (OK, TX)?
The CFPB has recorded complaints against American Collection Services, Inc. (OK, TX) from 14 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.