What is the most common complaint against A.C.S. Companies, Inc. I?

The most common issue consumers report about A.C.S. Companies, Inc. I is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 12 complaints filed with the CFPB.

Are complaints against A.C.S. Companies, Inc. I increasing or decreasing?

Complaints against A.C.S. Companies, Inc. I are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is A.C.S. Companies, Inc. I's reputation grade?

A.C.S. Companies, Inc. I has a reputation grade of F (score: 39.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does A.C.S. Companies, Inc. I respond to consumer complaints?

A.C.S. Companies, Inc. I has a 42% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.

In how many states does A.C.S. Companies, Inc. I operate?

A.C.S. Companies, Inc. I has received CFPB complaints from consumers in 8 states, with the most complaints from Illinois (3 complaints).

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

A.C.S. Companies, Inc. I - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Took or threatened to take negative or legal action

3
Written notification about debt

2
Communication tactics

2
False statements or representation

1
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record acs-companies-inc-i A.C.S. Companies, Inc. I

Grade F · 12 CFPB filings · 42% timely · lead issue: Attempts to collect debt not owed · vol #2287 · compose #4935

VOL 12
GRADE F
12MO 1
STATES 8
TIMELY 42%
DISPUTE 50%
ISSUE Attempts to collect debt n…
RANK #2,287
COMPOSE #4,935

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

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

A.C.S. Companies, Inc. I's 12 CFPB complaints sit next to 1803 Capital, LLC 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 →

Filing geometry

Illinois is the plurality state for A.C.S. Companies, Inc. I (25.0%)

Volume rank #2,287 and composite rank #4,935 diverge by 2,648 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Illinois 25.0%; Mid-band (15–30%) · 8 states with ≥1 filing
Seasonal peak: 2023-09 8.0%; 8–15% band · 2 filings
Divergent corpus ranks: #2,287 volume; #4,935 composite; Cleanest-composite ladder is 2,648 places worse than volume

How does A.C.S. Companies, Inc. I compare to its peers?

How does A.C.S. Companies, Inc. I compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

A.C.S. Companies, Inc.… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

42%

82%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-07 2025-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Took or threatened to take negative or legal action	3
Written notification about debt	2
Communication tactics	2
False statements or representation	1
Electronic communications	1

Where do complaints against A.C.S. Companies, Inc. I come from?

A.C.S. Companies, Inc. I's own per-state count, not a national baseline.

Illinois

3
Kentucky

2
Texas

2
Missouri

1
Oklahoma

1
Pennsylvania

1
South Carolina

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for A.C.S. Companies, Inc. I: 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: 12.

4 peers

Know your rights before responding to A.C.S. Companies, Inc. I: 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.