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

Data updated July 2026

D

Grade D · 54.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Action Collection Service ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 101 all-time complaints and a 93% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
101
CFPB complaints, all-time
93%
answered inside the CFPB window
18
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Action Collection Service?

Action Collection Service has accumulated 101 total CFPB complaints across 21 states, with 18 filed in the most recent 12 months against 83 historical complaints before that window. The trailing-12-month volume represents 17.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 93% timely-response rate against a 38% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by Idaho with 59 and Washington with 10. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places Action Collection Service in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

101

mid-volume (CCDB)

Last 12 months

18

17.8% of all-time complaints

Stable →

States active

21

multi-region footprint

Timely response rate

93%

good band

Consumer disputes

38%

high (vertical avg ~19%)

Reputation grade

D

54.0/100 composite

How does Action Collection Service's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 23% higher than 23% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Action Collection Service versus the debt-collection vertical average.

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) 37.5%
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?

How does Action Collection Service compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Action Collection Serv… 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.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Action Collection Service contacts you

A grade of D signals how Action Collection Service's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Action Collection Service and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Action Collection Service ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 54.0/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.