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

CFPB complaint data Grade C 51 complaints

Action Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Complaints by issue type

What consumers report about Action Financial Services, LLC

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

Data updated September 2026

CFPB complaint disposition

CCDB record action-financial-services-llc Action Financial Services, LLC

Grade C · 51 CFPB filings · 96% timely · lead issue: Written notification about debt

  • VOL 51
  • GRADE C
  • 12MO 0
  • STATES 21
  • TIMELY 96%
  • DISPUTE 22%
  • ISSUE Written notification about…
  • RANK #1,173
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 21st Mortgage Corp. (51 complaints)

21st Mortgage Corp.21st Mortgage Corp.51Advantage Financial Service LLC (Idaho)Advantage Financial Service …51Broward Adjustment ServicesBroward Adjustment Services51CCB Credit Serivces, IncCCB Credit Serivces, Inc51Action Financial Services, LLC (this)Action Financial Services, L…51
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Action Financial Services, LLC's 51 CFPB complaints sit next to 21st Mortgage Corp. 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 51 complaints break down

Every complaint issue type on record for Action Financial Services, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.0/100
Action Financial Services, LLC

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 D
51
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

California is the plurality state for Action Financial Services, LLC (17.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 17.6%
Mid-band (15–30%) · 21 states with ≥1 filing
Seasonal peak
2025-10 9.7%
8–15% band · 6 filings
Corpus ranks
#1,173 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Action Financial Services, LLC compare to its peers?

How does Action Financial Services, 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 Financial Services, LLC National average
Complaints (last 12 mo)lower is better
0
17
268
Timely-response ratehigher is better
96%
100%
91%
Consumer-dispute ratelower is better
22%
18%
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 Financial Services, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 60%70%80%90%100%110% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Action Financial Services, LLC vs. 9 similar-volume peers, by response speed and dispute rate Action Financial Services, LLC21ST MORTGAGE CORP.Advantage Financial Service LLC (Idaho)Broward Adjustment ServicesCCB Credit Serivces, IncCredit Bureau of Lancaster County, Inc.FIRST HERITAGE CREDIT LLCMNS & Associates LLCUNIVERSAL COLLECTION SYSTEMS, INCSocial Finance, Inc.
Source: CFPB Consumer Complaint Database

Action Financial Services, LLC's complaint volume in context

Action Financial Services, LLC 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)

51 Top 22% higher than 78% 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%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 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 Financial Services, LLC 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)

Falling ↓
2023-09 2026-03

Issue Detail Breakdown

Issue Complaints
Written notification about debt
20
Attempts to collect debt not owed
12
Communication tactics
8
False statements or representation
3
Took or threatened to take negative or legal action
2
Disclosure verification of debt
2
Improper contact or sharing of info
2
Cont'd attempts collect debt not owed
1
Threatened to contact someone or share information improperly
1

Where do complaints against Action Financial Services, LLC come from?

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

Top states by complaints against Action Financial Services, LLC

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 Financial Services, 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: 51.

4 peers

Know your rights before responding to Action Financial Services, 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.