What is the most common complaint against Action Collection Agencies, Inc.?

The most common issue consumers report about Action Collection Agencies, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 89 complaints filed with the CFPB.

Are complaints against Action Collection Agencies, Inc. increasing or decreasing?

Complaints against Action Collection Agencies, Inc. are falling. The company received 15 complaints in the last 12 months, showing improvement over prior periods.

What is Action Collection Agencies, Inc.'s reputation grade?

Action Collection Agencies, Inc. has a reputation grade of F (score: 43.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Action Collection Agencies, Inc. respond to consumer complaints?

Action Collection Agencies, Inc. has a 72% timely response rate to CFPB complaints. Consumers disputed the company's response in 37% of cases.

In how many states does Action Collection Agencies, Inc. operate?

Action Collection Agencies, Inc. has received CFPB complaints from consumers in 21 states, with the most complaints from Massachusetts (44 complaints).

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

Action Collection Agencies, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

40
Communication tactics

20
Cont'd attempts collect debt not owed

12
Written notification about debt

7
False statements or representation

3
Took or threatened to take negative or legal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record action-collection-agencies-inc Action Collection Agencies, Inc.

Grade F · 89 CFPB filings · 72% timely · lead issue: Attempts to collect debt not owed · vol #866 · compose #4802

VOL 89
GRADE F
12MO 15
STATES 21
TIMELY 72%
DISPUTE 37%
ISSUE Attempts to collect debt n…
RANK #866
COMPOSE #4,802

Volume peers

Nearest volume peer: Aldridge Pite, LLP (89 complaints)

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

Action Collection Agencies, Inc.'s 89 CFPB complaints sit next to Aldridge Pite, LLP 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

49.4% of Action Collection Agencies, Inc.'s CFPB filings land in Massachusetts

High volume does not equal a clean composite: Action Collection Agencies, Inc. is volume #866 but composite #4,802, while Massachusetts dominates the geography. Corpus placement method.

Dominant state: Massachusetts 49.4%; 44 of 89 filings · 21 states touched
Seasonal peak: 2025-07 14.3%; 8–15% band · 12 filings
Divergent corpus ranks: #866 volume; #4,802 composite; Cleanest-composite ladder is 3,936 places worse than volume

How does Action Collection Agencies, Inc. compare to its peers?

How does Action Collection Agencies, 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

Action Collection Agen… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

72%

98%

91%

Consumer-dispute ratelower is better

37%

35%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	40
Communication tactics	20
Cont'd attempts collect debt not owed	12
Written notification about debt	7
False statements or representation	3
Took or threatened to take negative or legal action	2
Disclosure verification of debt	2
Improper contact or sharing of info	2
Threatened to contact someone or share information improperly	1

Where do complaints against Action Collection Agencies, Inc. come from?

Action Collection Agencies, Inc.'s own per-state count, not a national baseline.

Massachusetts

44
New York

8
California

7
Rhode Island

4
Florida

3
New Jersey

3
North Carolina

3
Montana

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Action Collection Agencies, 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: 89.

4 peers

Know your rights before responding to Action Collection Agencies, 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.