What is the most common complaint against Action Financial Services, LLC?

The most common issue consumers report about Action Financial Services, LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 51 complaints filed with the CFPB.

Are complaints against Action Financial Services, LLC increasing or decreasing?

Complaints against Action Financial Services, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Action Financial Services, LLC's reputation grade?

Action Financial Services, LLC has a reputation grade of C (score: 58.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Action Financial Services, LLC respond to consumer complaints?

Action Financial Services, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Action Financial Services, LLC operate?

Action Financial Services, LLC has received CFPB complaints from consumers in 21 states, with the most complaints from California (9 complaints).

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

Action Financial Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Compiled by PlainCollector

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

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 #1173 · compose #2687

VOL 51
GRADE C
12MO 0
STATES 21
TIMELY 96%
DISPUTE 22%
ISSUE Written notification about…
RANK #1,173
COMPOSE #2,687

Volume peers

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

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 →

Filing geometry

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

Volume rank #1,173 and composite rank #2,687 diverge by 1,514 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #1,173 volume; #2,687 composite; Cleanest-composite ladder is 1,514 places worse than volume

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 Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

100%

91%

Consumer-dispute ratelower is better

22%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

9
Florida

4
Texas

4
Alabama

3
Georgia

3
New Jersey

3
New York

3
Pennsylvania

3

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.