Total CFPB complaints
96
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 96 complaints
Action Collection Service — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Action Collection Service
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Communication tactics
Communication tactics
16 complaints
- Written notification about debt
Written notification about debt
15 complaints
- False statements or representation
False statements or representation
14 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
12 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Action Collection Service?
Action Collection Service has accumulated 96 total CFPB complaints across 21 states, with 14 filed in the most recent 12 months against 82 historical complaints before that window. The trailing-12-month volume represents 14.6% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 38% 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 21 states, led by Idaho with 56 and Washington with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Action Collection Service in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
14
14.6% of total history
Rising ↑
States active
21
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
54.0/100 composite
Response-quality profile
How Action Collection Service performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Action Collection Service compare to its peers?
Action Collection Serv… 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)
2021-06 2026-02
Top Consumer Issues
False statements or representation14 (%)
Attempts to collect debt not owed17 (%)
Written notification about debt15 (%)
Cont'd attempts collect debt not owed12 (%)
Communication tactics16 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 14 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Communication tactics | Used obscene/profane/abusive language | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
Where do complaints against Action Collection Service come from?
The states where consumers have filed the most CFPB complaints against Action Collection Service. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Action Collection Service
Across 21 states with at least one filing
- Idaho
Idaho
56 complaints
- Washington 10
Washington
10 complaints
- California 4
California
4 complaints
- Montana 3
Montana
3 complaints
- Oregon 2
Oregon
2 complaints
- Indiana 2
Indiana
2 complaints
- Texas 2
Texas
2 complaints
- Colorado 2
Colorado
2 complaints
Frequently Asked Questions
What is the most common complaint against Action Collection Service? ▼
The most common issue consumers report about Action Collection Service is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 96 complaints filed with the CFPB.
Are complaints against Action Collection Service increasing or decreasing? ▼
Complaints against Action Collection Service are rising. The company received 14 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Action Collection Service's reputation grade? ▼
Action Collection Service has a reputation grade of D (score: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (56 complaints).
What can I do if Action Collection Service 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 Service 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 |