Total CFPB complaints
51
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 51 complaints
Action Financial Services, LLC — 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 Financial Services, LLC
- Written notification about debt
Written notification about debt
20 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Communication tactics 6
Communication tactics
6 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
C
Grade C · 61.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Action Financial Services, LLC?
Action Financial Services, LLC has accumulated 51 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 22% 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 California with 9 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places Action Financial Services, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
21
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
C
61.6/100 composite
Response-quality profile
How Action Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
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 Financial Services, LLC compare to its peers?
Action Financial Servi… 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)
2018-08 2021-06
Top Consumer Issues
Written notification about debt20 (%)
Attempts to collect debt not owed11 (%)
Communication tactics6 (%)
False statements or representation2 (%)
Improper contact or sharing of info1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 17 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Communication tactics | Frequent or repeated calls | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Communication tactics | Threatened to take legal action | 1 |
Where do complaints against Action Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Action Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Action Financial Services, LLC
Across 21 states with at least one filing
- California
California
9 complaints
- Texas
Texas
4 complaints
- Florida
Florida
4 complaints
- New Jersey 3
New Jersey
3 complaints
- Alabama 3
Alabama
3 complaints
- New York 3
New York
3 complaints
- Georgia 3
Georgia
3 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Action Financial Services, LLC's reputation grade? ▼
Action Financial Services, LLC has a reputation grade of C (score: 61.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Action Financial Services, LLC 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 Financial Services, LLC 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 |