What is the most common complaint against Action Collection Service?

The most common issue consumers report about Action Collection Service is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 101 complaints filed with the CFPB.

Are complaints against Action Collection Service increasing or decreasing?

Complaints against Action Collection Service have been stable. The company received 18 complaints in the last 12 months.

What is Action Collection Service's reputation grade?

Action Collection Service has a reputation grade of D (score: 50.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Action Collection Service respond to consumer complaints?

Action Collection Service has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Action Collection Service operate?

Action Collection Service has received CFPB complaints from consumers in 21 states, with the most complaints from Idaho (59 complaints).

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

Action Collection Service - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

23
Communication tactics

23
False statements or representation

17
Written notification about debt

15
Cont'd attempts collect debt not owed

12
Disclosure verification of debt

6

Data updated September 2026

CFPB complaint disposition

CCDB record action-collection-service Action Collection Service

Grade D · 101 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #810 · compose #4054

VOL 101
GRADE D
12MO 18
STATES 21
TIMELY 93%
DISPUTE 38%
ISSUE Attempts to collect debt n…
RANK #810
COMPOSE #4,054

Volume peers

Nearest volume peer: Concord Resolution Inc (Closed) (101 complaints)

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

Action Collection Service's 101 CFPB complaints sit next to Concord Resolution Inc (Closed) 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

58.4% of Action Collection Service's CFPB filings land in Idaho

High volume does not equal a clean composite: Action Collection Service is volume #810 but composite #4,054, while Idaho dominates the geography. Corpus placement method.

Dominant state: Idaho 58.4%; 59 of 101 filings · 21 states touched
Seasonal peak: 2026-01 10.7%; 8–15% band · 9 filings
Divergent corpus ranks: #810 volume; #4,054 composite; Cleanest-composite ladder is 3,244 places worse than volume

How does Action Collection Service compare to its peers?

How does Action Collection Service 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 Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

29%

91%

Consumer-dispute ratelower is better

38%

17%

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	23
Communication tactics	23
False statements or representation	17
Written notification about debt	15
Cont'd attempts collect debt not owed	12
Disclosure verification of debt	6
Took or threatened to take negative or legal action	3
Threatened to contact someone or share information improperly	2

Where do complaints against Action Collection Service come from?

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

Idaho

59
Washington

10
California

4
Texas

4
Montana

3
Colorado

2
Indiana

2
Oregon

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Action Collection Service: 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: 101.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 92.70833333333334%.

4 peers

Know your rights before responding to Action Collection Service: 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.