What is the most common complaint against Action Credit, LLC?

The most common issue consumers report about Action Credit, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 9 complaints filed with the CFPB.

Are complaints against Action Credit, LLC increasing or decreasing?

Complaints against Action Credit, LLC are rising. The company received 6 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Action Credit, LLC's reputation grade?

Action Credit, LLC has a reputation grade of C (score: 58.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Action Credit, LLC respond to consumer complaints?

Action Credit, LLC has a 86% timely response rate to CFPB complaints.

In how many states does Action Credit, LLC operate?

Action Credit, LLC has received CFPB complaints from consumers in 2 states, with the most complaints from Texas (8 complaints).

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

Action Credit, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

3
Took or threatened to take negative or legal action

3
False statements or representation

1
Communication tactics

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record action-credit-llc Action Credit, LLC

Grade C · 9 CFPB filings · 86% timely · lead issue: Attempts to collect debt not owed · vol #2559 · compose #2602

VOL 9
GRADE C
12MO 6
STATES 2
TIMELY 86%
ISSUE Attempts to collect debt n…
RANK #2,559
COMPOSE #2,602

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

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

Action Credit, LLC's 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. 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

88.9% of Action Credit, LLC's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Texas 88.9%; 8 of 9 filings · 2 states touched
Seasonal peak: 2022-04 12.0%; 8–15% band · 3 filings
Corpus ranks: #2,559 volume; #2,602 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Action Credit, LLC compare to its peers?

How does Action Credit, LLC 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 Credit, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

86%

78%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-01 2025-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3
Took or threatened to take negative or legal action	3
False statements or representation	1
Communication tactics	1
Threatened to contact someone or share information improperly	1

Where do complaints against Action Credit, LLC come from?

Action Credit, LLC's own per-state count, not a national baseline.

Texas

8
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Action Credit, LLC: 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: 9.

4 peers

Know your rights before responding to Action Credit, LLC: 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.