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

CFPB complaint data Grade C 43 complaints

Access Credit Management, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Complaints by issue type

What consumers report about Access Credit Management, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 65.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Access Credit Management, Inc. ranks ahead of 60% of the 5,283 collectors PlainCollector grades - 40% keep a cleaner CFPB record, on 43 all-time complaints and a 87% timely-response rate.

60th pct
reputation rank of 5,283 graded collectors
43
CFPB complaints, all-time
87%
answered inside the CFPB window
18
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Access Credit Management, Inc.?

Access Credit Management, Inc. has accumulated 43 total CFPB complaints across 5 states, with 18 filed in the most recent 12 months against 25 historical complaints before that window. The trailing-12-month volume represents 41.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 87% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Arkansas with 32 and Louisiana with 7. Normalized against the full CFPB collector database, the reputation score of 65.3/100 places Access Credit Management, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

43

low-volume (CCDB)

Last 12 months

18

41.9% of all-time complaints

Rising ↑

States active

5

regional footprint

Timely response rate

87%

acceptable band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

65.3/100 composite

How does Access Credit Management, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

65 60th percentile higher than 60% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Access Credit Management, Inc. versus the debt-collection vertical average.

Timely response within SLA 86.8%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 0.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 8.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Access Credit Manageme… National average
Complaints (last 12 mo)lower is better
18
11
268
Timely-response ratehigher is better
87%
86%
91%
Consumer-dispute ratelower is better
0%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-09 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Access Credit Management, Inc.

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Access Credit Management, Inc. contacts you

A grade of C signals how Access Credit Management, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Access Credit Management, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Access Credit Management, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 C (score: 65.3/100), 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).

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

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.