What is the most common complaint against Access Credit Management, Inc.?

The most common issue consumers report about Access Credit Management, Inc. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 43 complaints filed with the CFPB.

Are complaints against Access Credit Management, Inc. increasing or decreasing?

Complaints against Access Credit Management, Inc. are rising. The company received 18 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Access Credit Management, Inc.'s reputation grade?

Access Credit Management, Inc. has a reputation grade of B (score: 62.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Access Credit Management, Inc. respond to consumer complaints?

Access Credit Management, Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Access Credit Management, Inc. operate?

Access Credit Management, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Arkansas (32 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Access Credit Management, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

17
Written notification about debt

11
False statements or representation

6
Took or threatened to take negative or legal action

4
Communication tactics

2
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record access-credit-management-inc Access Credit Management, Inc.

Grade B · 43 CFPB filings · 87% timely · lead issue: Attempts to collect debt not owed · vol #1292 · compose #2064

VOL 43
GRADE B
12MO 18
STATES 5
TIMELY 87%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,292
COMPOSE #2,064

Volume peers

Nearest volume peer: Accredited Collection Service, Inc. (43 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Access Credit Management, Inc.'s 43 CFPB complaints sit next to Accredited Collection Service, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

74.4% of Access Credit Management, Inc.'s CFPB filings land in Arkansas

High volume does not equal a clean composite: Access Credit Management, Inc. is volume #1,292 but composite #2,064, while Arkansas dominates the geography. Corpus placement method.

Dominant state: Arkansas 74.4%; 32 of 43 filings · 5 states touched
Seasonal peak: 2022-04 10.0%; 8–15% band · 3 filings
Divergent corpus ranks: #1,292 volume; #2,064 composite; Cleanest-composite ladder is 772 places worse than volume

How does Access Credit Management, Inc. compare to its peers?

How does Access Credit Management, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Access Credit Manageme… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

86%

91%

Consumer-dispute ratelower is better

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-09 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	17
Written notification about debt	11
False statements or representation	6
Took or threatened to take negative or legal action	4
Communication tactics	2
Disclosure verification of debt	2
Cont'd attempts collect debt not owed	1

Where do complaints against Access Credit Management, Inc. come from?

Access Credit Management, Inc.'s own per-state count, not a national baseline.

Arkansas

32
Louisiana

7
Mississippi

2
Oklahoma

1
South Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Access Credit Management, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 43.

4 peers

Know your rights before responding to Access Credit Management, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.