CFPB Consumer Complaint Profile
American Collection Services, Inc. (OK, TX)
112 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 112
- Total complaints
- 14
- Last 12 months
- 100%
- Timely response
- 14
- States affected
The verdict
American Collection Services, Inc. (OK, TX) ranks #1262 of 3,848 financial companies by CFPB complaint volume, with 112 complaints on record. 100% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #1262
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 14
- 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 |
|---|---|
| 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 |
| 2026 | 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 has logged 112 complaints against American Collection Services, Inc. (OK, TX) overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 14 states and territories, making this a geographically concentrated complaint footprint. "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, American Collection Services, Inc. (OK, TX) answers 100% 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. The company's response was formally disputed in 4.5% of resolved cases, indicating how frequently the initial fix fell short. 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~112)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.