CFPB Consumer Complaint Profile
Applied Business Services, Inc.
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 162
- Total complaints
- Mid-range
- 15
- Last 12 months
- 72.8%
- Timely response
- Bottom decile
- 29
- States affected
The verdict
By CFPB complaint volume, Applied Business Services, Inc. is #1058 out of 3,843 financial companies. Its on-time response record is at the 7th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- NC
- 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.
Applied Business Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
72.8% Among the lowest higher than 7% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3 in 2024 to 13 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2015 | 4 |
| 2016 | 14 |
| 2017 | 16 |
| 2018 | 22 |
| 2019 | 9 |
| 2020 | 10 |
| 2021 | 29 |
| 2022 | 23 |
| 2023 | 14 |
| 2024 | 3 |
| 2025 | 13 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Applied Business Services, Inc.
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for Applied Business Services, Inc., with consumers across the country filing against it. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. 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 Applied Business Services, Inc.: 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 (14.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Applied Business Services, Inc. have?
Applied Business Services, Inc. has 162 total consumer complaints filed with the CFPB, with 15 filed in the last 12 months.
Does Applied Business Services, Inc. respond to complaints on time?
Applied Business Services, Inc. has a 72.8% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Applied Business Services, Inc.?
The most complained-about product for Applied Business Services, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Applied Business Services, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Applied Business Services, Inc. - see all issues and counts above.
How do I file a complaint against Applied Business Services, Inc.?
You can file a complaint against Applied Business Services, 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 Applied Business Services, Inc.?
Consumers in 29 states and territories have filed complaints about Applied Business Services, Inc. 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.