CFPB Consumer Complaint Profile
Associated Credit Services, Inc.
Consumers have filed 573 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 573
- Total complaints
- Above average
- 126
- Last 12 months
- 98.4%
- Timely response
- Above median
- 40
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Associated Credit Services, Inc. has accumulated 573 complaints, placing it #467 by volume. It posts a 98.4% on-time response rate, the 52nd percentile among companies with 100+ complaints.
- #467
- of 3,843 companies by volume
- 98.4%
- on time (52nd pctile)
- Debt collection
- most-complained product
- 40
- states with complaints
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.
Associated Credit Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.4% Higher than most higher than 52% 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 87 in 2024 to 140 in 2025 (2024 → 2025).
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 | 3 |
| 2014 | 8 |
| 2015 | 20 |
| 2016 | 11 |
| 2017 | 20 |
| 2018 | 37 |
| 2019 | 47 |
| 2020 | 58 |
| 2021 | 22 |
| 2022 | 33 |
| 2023 | 64 |
| 2024 | 87 |
| 2025 | 140 |
| 2026year in progress | 23 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Associated Credit Services, Inc.
The CFPB Consumer Complaint Database has logged 573 complaints against Associated Credit Services, Inc. overall, with 126 of those filed in the trailing 12 months. Reports have come from consumers in 40 states and territories, making this a nationwide complaint footprint. 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 "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.
CFPB-forwarded complaints against Associated Credit Services, Inc. draw a 98.4% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 33.3% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 1.2% 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, 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.
Frequently Asked Questions
How many CFPB complaints does Associated Credit Services, Inc. have?
573 complaints have been filed against Associated Credit Services, Inc. with the CFPB overall - 126 of them in the past year.
Does Associated Credit Services, Inc. respond to complaints on time?
CFPB complaints against Associated Credit Services, Inc. draw a 98.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Associated Credit Services, Inc.?
"Debt collection" draws more CFPB complaints against Associated Credit Services, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Associated Credit Services, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Associated Credit Services, Inc. - see all issues and counts above.
How do I file a complaint against Associated Credit Services, Inc.?
You can file a complaint against Associated Credit 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 Associated Credit Services, Inc.?
Consumers in 40 states and territories have filed complaints about Associated Credit 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Associated Credit 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 (33.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.