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

CFPB complaint data Grade C 43 complaints

Accredited Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade C.

Complaints by issue type

What consumers report about Accredited Collection Service, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 60.9/100 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: Accredited Collection Service, Inc. ranks ahead of 46% of the 5,283 collectors PlainCollector grades - 54% keep a cleaner CFPB record, on 43 all-time complaints and a 86% timely-response rate.

46th pct
reputation rank of 5,283 graded collectors
43
CFPB complaints, all-time
86%
answered inside the CFPB window
11
in the last 12 months (stable)

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 Accredited Collection Service, Inc.?

Accredited Collection Service, Inc. has accumulated 43 total CFPB complaints across 11 states, with 11 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 25.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Didn't receive enough information to verify debt". The company posts a 86% timely-response rate against a 18% consumer-dispute-after-response rate.

Complaints have been recorded across 11 states, led by Nebraska with 29 and Iowa with 4. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places Accredited Collection Service, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

43

low-volume (CCDB)

Last 12 months

11

25.6% of all-time complaints

Stable →

States active

11

regional footprint

Timely response rate

86%

acceptable band

Consumer disputes

18%

average (vertical avg ~19%)

Reputation grade

C

60.9/100 composite

How does Accredited Collection Service, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

61 46th percentile higher than 46% 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

Accredited Collection Service, Inc. versus the debt-collection vertical average.

Timely response within SLA 86.5%
Vertical avg

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

Consumer dispute rate (post-response) 18.2%
Vertical avg

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

State coverage breadth 19.6%

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

How does Accredited Collection Service, Inc. compare to its peers?

How does Accredited Collection Service, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Accredited Collection … National average
Complaints (last 12 mo)lower is better
11
18
268
Timely-response ratehigher is better
86%
87%
91%
Consumer-dispute ratelower is better
18%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-05 2015-10

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 11
Attempts to collect debt not owed - 8
Communication tactics - 7
Written notification about debt - 6
False statements or representation - 3
Cont'd attempts collect debt not owed - 3
Disclosure verification of debt - 2
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 1

Where do complaints against Accredited Collection Service, Inc. come from?

Accredited Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Accredited Collection Service, Inc.

Across 11 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Accredited Collection Service, Inc. contacts you

A grade of C signals how Accredited Collection Service, 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 Accredited Collection Service, 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 Accredited Collection Service, 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 Accredited Collection Service, Inc.? ▼

The most common issue consumers report about Accredited Collection Service, Inc. is "Took or threatened to take negative or legal action", specifically "Didn't receive enough information to verify debt". This is based on 43 complaints filed with the CFPB.

Are complaints against Accredited Collection Service, Inc. increasing or decreasing? ▼

Complaints against Accredited Collection Service, Inc. have been stable. The company received 11 complaints in the last 12 months.

What is Accredited Collection Service, Inc.'s reputation grade? ▼

Accredited Collection Service, Inc. has a reputation grade of C (score: 60.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Accredited Collection Service, Inc. respond to consumer complaints? ▼

Accredited Collection Service, Inc. has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Accredited Collection Service, Inc. operate? ▼

Accredited Collection Service, Inc. has received CFPB complaints from consumers in 11 states, with the most complaints from Nebraska (29 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.