Total CFPB complaints
84
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 84 complaints
ACS Education Services — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ACS Education Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
21 complaints
- False statements or representation
False statements or representation
12 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ACS Education Services?
ACS Education Services has accumulated 84 total CFPB complaints across 29 states, with 0 filed in the most recent 12 months against 84 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 26% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 29 states, led by California with 11 and Georgia with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places ACS Education Services in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
29
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How ACS Education Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 52.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does ACS Education Services compare to its peers?
ACS Education Services National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-02 2024-04
Top Consumer Issues
False statements or representation12 (%)
Attempts to collect debt not owed21 (%)
Disclosure verification of debt8 (%)
Cont'd attempts collect debt not owed10 (%)
Communication tactics6 (%)
Took or threatened to take negative or legal action4 (%)
Written notification about debt4 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 12 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
Where do complaints against ACS Education Services come from?
The states where consumers have filed the most CFPB complaints against ACS Education Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ACS Education Services
Across 29 states with at least one filing
- California
California
11 complaints
- Georgia
Georgia
8 complaints
- Florida
Florida
7 complaints
- New York
New York
5 complaints
- Colorado 4
Colorado
4 complaints
- Massachusetts 4
Massachusetts
4 complaints
- Ohio 4
Ohio
4 complaints
- Texas 4
Texas
4 complaints
Frequently Asked Questions
What is the most common complaint against ACS Education Services? ▼
The most common issue consumers report about ACS Education Services is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 84 complaints filed with the CFPB.
Are complaints against ACS Education Services increasing or decreasing? ▼
Complaints against ACS Education Services are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is ACS Education Services's reputation grade? ▼
ACS Education Services has a reputation grade of D (score: 59.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does ACS Education Services respond to consumer complaints? ▼
ACS Education Services has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.
In how many states does ACS Education Services operate? ▼
ACS Education Services has received CFPB complaints from consumers in 29 states, with the most complaints from California (11 complaints).
What can I do if ACS Education Services is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ACS Education Services violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |