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

CFPB complaint data Grade F 89 complaints

Action Collection Agencies, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade F.

Complaints by issue type

What consumers report about Action Collection Agencies, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 89
  • GRADE F
  • 12MO 15
  • STATES 21
  • TIMELY 72%
  • DISPUTE 37%
  • ISSUE Attempts to collect debt n…
  • RANK #866
  • COMPOSE Not ranked

Volume peers

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

Aldridge Pite, LLPAldridge Pite, LLP89Bank of the WestBank of the West89Lamont, Hanley & Associates, Inc.Lamont, Hanley & Associates,…89Moss Law Firm, P.C.Moss Law Firm, P.C.89Action Collection Agencies, Inc. (this)Action Collection Agencies, …89
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 →

How the 89 complaints break down

Every complaint issue type on record for Action Collection Agencies, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
43.5/100
Action Collection Agencies, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
89
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
72%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
37%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#866 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Agencies, Inc. National average
Complaints (last 12 mo)lower is better
15
5
268
Timely-response ratehigher is better
72%
98%
91%
Consumer-dispute ratelower is better
37%
35%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Action Collection Agencies, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Action Collection Agencies, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Action Collection Agencies, Inc.Aldridge Pite, LLPBANK OF THE WESTLamont, Hanley & Associates, Inc.Moss Law Firm, P.C.National Recoveries, Inc.Pacific Credit Exchange CorporationProfessional Claims Bureau, Inc.SCHOOLSFIRST FEDERAL CREDIT UNIONRauch-Milliken International, Inc.
Source: CFPB Consumer Complaint Database

Action Collection Agencies, Inc.'s complaint volume in context

Action Collection Agencies, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

89 Top 16% higher than 84% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Action Collection Agencies, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Action Collection Agencies, Inc.

Across 21 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.