Total CFPB complaints
81
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 81 complaints
Action Collection Agencies, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Action Collection Agencies, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
34 complaints
- Communication tactics
Communication tactics
16 complaints
- Cont'd attempts collect debt not owed 12
Cont'd attempts collect debt not owed
12 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
F
Grade F · 47.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Action Collection Agencies, Inc.?
Action Collection Agencies, Inc. has accumulated 81 total CFPB complaints across 19 states, with 12 filed in the most recent 12 months against 69 historical complaints before that window. The trailing-12-month volume represents 14.8% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 72% timely-response rate against a 37% 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 19 states, led by Massachusetts with 41 and California with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places Action Collection Agencies, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
12
14.8% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
72%
Within CFPB SLA window
Consumer disputes
37%
After company response
Reputation grade
F
47.5/100 composite
Response-quality profile
How Action Collection Agencies, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 71.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 73.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Action Collection Agencies, Inc. compare to its peers?
Action Collection Agen… 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)
2022-04 2026-02
Top Consumer Issues
Attempts to collect debt not owed34 (%)
Communication tactics16 (%)
Cont'd attempts collect debt not owed12 (%)
Written notification about debt3 (%)
False statements or representation2 (%)
Disclosure verification of debt2 (%)
Took or threatened to take negative or legal action2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 25 |
| Communication tactics | Frequent or repeated calls | 11 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
Where do complaints against Action Collection Agencies, Inc. come from?
The states where consumers have filed the most CFPB complaints against Action Collection Agencies, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Action Collection Agencies, Inc.
Across 19 states with at least one filing
- Massachusetts
Massachusetts
41 complaints
- California 7
California
7 complaints
- New York 6
New York
6 complaints
- Rhode Island 3
Rhode Island
3 complaints
- Florida 3
Florida
3 complaints
- North Carolina 3
North Carolina
3 complaints
- New Jersey 3
New Jersey
3 complaints
- Montana 2
Montana
2 complaints
Frequently Asked Questions
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 81 complaints filed with the CFPB.
Are complaints against Action Collection Agencies, Inc. increasing or decreasing? ▼
Complaints against Action Collection Agencies, Inc. are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Action Collection Agencies, Inc.'s reputation grade? ▼
Action Collection Agencies, Inc. has a reputation grade of F (score: 47.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 19 states, with the most complaints from Massachusetts (41 complaints).
What can I do if Action Collection Agencies, Inc. 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 Action Collection Agencies, Inc. 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 |