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

CFPB complaint data Grade D 101 complaints

Action Collection Service - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade D.

Complaints by issue type

What consumers report about Action Collection Service

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

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 101
  • GRADE D
  • 12MO 18
  • STATES 21
  • TIMELY 93%
  • DISPUTE 38%
  • ISSUE Attempts to collect debt n…
  • RANK #810
  • COMPOSE Not ranked

Volume peers

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

Concord Resolution Inc (Closed)Concord Resolution Inc (Clos…101Eaton Group Attorneys LLCEaton Group Attorneys LLC101Servicing Solutions, LLCServicing Solutions, LLC101Action Collection Service (this)Action Collection Service (t…101Richland Holdings, Inc.Richland Holdings, Inc.102
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 →

How the 101 complaints break down

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

Reputation score breakdown

D
Composite reputation score
50.9/100
Action Collection Service

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
101
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
38%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

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

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 Service National average
Complaints (last 12 mo)lower is better
18
0
268
Timely-response ratehigher is better
93%
29%
91%
Consumer-dispute ratelower is better
38%
17%
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 Service a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Action Collection Service vs. 8 similar-volume peers, by response speed and dispute rate Action Collection ServiceConcord Resolution Inc (Closed)Eaton Group Attorneys LLCRICHLAND HOLDINGS, INC.Blatt, Hasenmiller, Leibsker & Moore, LLCNathan & Nathan, P.C.Stallings Financial Group, Inc.Critical Resolution Mediation LLCNew Century Financial Services, Inc.
Source: CFPB Consumer Complaint Database

Action Collection Service's complaint volume in context

Action Collection Service 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)

101 Top 15% higher than 85% 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%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 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 Service 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)

Stable →
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.

Top states by complaints against Action Collection Service

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 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.