CFPB Consumer Complaint Profile
American Collection Systems, Inc.
Consumers have filed 28 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 28
- Total complaints
- 2
- Last 12 months
- 100%
- Timely response
- 11
- States affected
The verdict
American Collection Systems, Inc. ranks #2425 of 3,848 financial companies by CFPB complaint volume, with 28 complaints on record. It answers 100% of complaints on time - above the 93% median for companies with 100+ complaints.
- #2425
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 11
- 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 | 2 |
| 2016 | 1 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 6 |
| 2023 | 3 |
| 2024 | 7 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Collection Systems, Inc.
28 complaints against American Collection Systems, Inc. appear in the CFPB record, including 2 from the trailing year. The 11 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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.
100% of CFPB-forwarded complaints against American Collection Systems, Inc. get a reply inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 0% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 10.7% of resolved complaints ended with some monetary or non-monetary relief for 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 Systems, Inc. have?
The CFPB has logged 28 complaints against American Collection Systems, Inc. to date, of which 2 came in over the last 12 months.
Does American Collection Systems, Inc. respond to complaints on time?
American Collection Systems, Inc.'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 Systems, Inc.?
Among all products tied to American Collection Systems, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with American Collection Systems, Inc.?
Consumers most often cite "Written notification about debt" when complaining about American Collection Systems, Inc.; the full issue list with counts is above.
How do I file a complaint against American Collection Systems, Inc.?
You can file a complaint against American Collection Systems, Inc. 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 Systems, Inc.?
The CFPB has recorded complaints against American Collection Systems, Inc. from 11 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 (~28)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.