CFPB Consumer Complaint Profile
Atlantic Collection Agency, Inc.
36 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 36
- Total complaints
- Mid-range
- 8
- Last 12 months
- 100%
- Timely response
- Top decile
- 11
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Atlantic Collection Agency, Inc. has accumulated 36 complaints, placing it #2143 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2143
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 11
- 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.
Atlantic Collection Agency, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
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 |
|---|---|
| 2020 | 3 |
| 2021 | 9 |
| 2022 | 6 |
| 2023 | 5 |
| 2024 | 5 |
| 2025 | 7 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Atlantic Collection Agency, Inc.
Atlantic Collection Agency, Inc. carries 36 complaints in the CFPB's database, 8 of them filed within the past 12 months. Consumers spanning 11 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Atlantic Collection Agency, Inc. posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 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, 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 Atlantic Collection Agency, Inc. have?
36 complaints have been filed against Atlantic Collection Agency, Inc. with the CFPB overall - 8 of them in the past year.
Does Atlantic Collection Agency, Inc. respond to complaints on time?
Atlantic Collection Agency, Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Atlantic Collection Agency, Inc.?
The most complained-about product for Atlantic Collection Agency, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Atlantic Collection Agency, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Atlantic Collection Agency, Inc.; the full issue list with counts is above.
How do I file a complaint against Atlantic Collection Agency, Inc.?
You can file a complaint against Atlantic Collection Agency, 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 Atlantic Collection Agency, Inc.?
Consumers in 11 states and territories have filed complaints about Atlantic Collection Agency, 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.
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.