CFPB Consumer Complaint Profile
Applied Business Services, Inc.
Behind the 162 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-05-15
- 162
- Total complaints
- 15
- Last 12 months
- 72.8%
- Timely response
- 29
- States affected
The verdict
162 CFPB complaints put Applied Business Services, Inc. at #1060 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 72.8%, trailing the 93% median among companies with 100+ complaints.
- #1060
- of 3,848 companies by volume
- 72.8%
- answered on time
- Debt collection
- most-complained product
- 29
- 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 | 1 |
| 2015 | 4 |
| 2016 | 14 |
| 2017 | 16 |
| 2018 | 22 |
| 2019 | 9 |
| 2020 | 10 |
| 2021 | 29 |
| 2022 | 23 |
| 2023 | 14 |
| 2024 | 3 |
| 2025 | 13 |
| 2026 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Applied Business Services, Inc.
The CFPB Consumer Complaint Database has logged 162 complaints against Applied Business Services, Inc. overall, with 15 of those filed in the trailing 12 months. Reports have come from consumers in 29 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. 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.
Applied Business Services, Inc.'s timely response rate stands at 72.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response in 14.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~162)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.