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 2026-05-15
- 573
- Total complaints
- 126
- Last 12 months
- 98.4%
- Timely response
- 40
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Associated Credit Services, Inc. has accumulated 573 complaints, placing it #468 by volume. It answers 98.4% of complaints on time - above the 93% median for companies with 100+ complaints.
- #468
- of 3,848 companies by volume
- 98.4%
- answered on time
- Debt collection
- most-complained product
- 40
- 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 | 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 |
| 2026 | 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.
98.4% of CFPB-forwarded complaints against Associated Credit Services, Inc. get a reply 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 in 33.3% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 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 (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 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?
98.4% of the CFPB complaints against Associated Credit Services, Inc. get a response within 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~573)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.