What is the most common complaint against Action Rent To Own?

The most common issue consumers report about Action Rent To Own is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 1 complaints filed with the CFPB.

Are complaints against Action Rent To Own increasing or decreasing?

Complaints against Action Rent To Own are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Action Rent To Own's reputation grade?

Action Rent To Own has a reputation grade of A (score: 80.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Action Rent To Own respond to consumer complaints?

Action Rent To Own has a 100% timely response rate to CFPB complaints.

In how many states does Action Rent To Own operate?

Action Rent To Own has received CFPB complaints from consumers in 1 states, with the most complaints from Utah (1 complaints).

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

Action Rent To Own - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record action-rent-to-own Action Rent To Own

Grade A · 1 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #4440 · compose #279

VOL 1
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #4,440
COMPOSE #279

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

Action Rent To Own's 1 CFPB complaints sit next to 245 Holdings LLC 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

100.0% of Action Rent To Own's CFPB filings land in Utah

High volume does not equal a clean composite: Action Rent To Own is volume #4,440 but composite #279, while Utah dominates the geography. Corpus placement method.

Dominant state: Utah 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2024-04 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,440 volume; #279 composite; Cleanest-composite ladder is 4,161 places better than volume

How does Action Rent To Own compare to its peers?

How does Action Rent To Own 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 Rent To Own National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2025-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1

Where do complaints against Action Rent To Own come from?

Action Rent To Own's own per-state count, not a national baseline.

Utah

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Action Rent To Own: 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: 1.

4 peers

Know your rights before responding to Action Rent To Own: 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.