Total CFPB complaints
325
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 325 complaints
Advanced Collection Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 31 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Advanced Collection Bureau, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
102 complaints
- Written notification about debt
Written notification about debt
67 complaints
- Took or threatened to take negative or legal action 35
Took or threatened to take negative or legal action
35 complaints
- Cont'd attempts collect debt not owed 35
Cont'd attempts collect debt not owed
35 complaints
- False statements or representation 25
False statements or representation
25 complaints
- Disclosure verification of debt 14
Disclosure verification of debt
14 complaints
D
Grade D · 56.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Advanced Collection Bureau, Inc.?
Advanced Collection Bureau, Inc. has accumulated 325 total CFPB complaints across 31 states, with 42 filed in the most recent 12 months against 283 historical complaints before that window. The trailing-12-month volume represents 12.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 24% 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 31 states, led by Florida with 188 and Texas with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.6/100 places Advanced Collection Bureau, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
42
12.9% of total history
Rising ↑
States active
31
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
56.6/100 composite
Response-quality profile
How Advanced Collection Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 47.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 55.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Advanced Collection Bureau, Inc. compare to its peers?
Advanced Collection Bu… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed102 (%)
Written notification about debt67 (%)
Took or threatened to take negative or legal action35 (%)
False statements or representation25 (%)
Cont'd attempts collect debt not owed35 (%)
Disclosure verification of debt14 (%)
Communication tactics11 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 66 |
| Written notification about debt | Didn't receive enough information to verify debt | 44 |
| Attempts to collect debt not owed | Debt was result of identity theft | 36 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 35 |
| False statements or representation | Attempted to collect wrong amount | 25 |
| Written notification about debt | Didn't receive notice of right to dispute | 23 |
| Cont'd attempts collect debt not owed | Debt is not mine | 21 |
| Disclosure verification of debt | Not given enough info to verify debt | 14 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 14 |
| Communication tactics | Frequent or repeated calls | 11 |
Where do complaints against Advanced Collection Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against Advanced Collection Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Advanced Collection Bureau, Inc.
Across 31 states with at least one filing
- Florida
Florida
188 complaints
- Texas 23
Texas
23 complaints
- Georgia 20
Georgia
20 complaints
- Oklahoma 15
Oklahoma
15 complaints
- Pennsylvania 11
Pennsylvania
11 complaints
- Louisiana 8
Louisiana
8 complaints
- South Carolina 5
South Carolina
5 complaints
- Virginia 4
Virginia
4 complaints
Frequently Asked Questions
What is the most common complaint against Advanced Collection Bureau, Inc.? ▼
The most common issue consumers report about Advanced Collection Bureau, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 325 complaints filed with the CFPB.
Are complaints against Advanced Collection Bureau, Inc. increasing or decreasing? ▼
Complaints against Advanced Collection Bureau, Inc. are rising. The company received 42 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Advanced Collection Bureau, Inc.'s reputation grade? ▼
Advanced Collection Bureau, Inc. has a reputation grade of D (score: 56.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Advanced Collection Bureau, Inc. respond to consumer complaints? ▼
Advanced Collection Bureau, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.
In how many states does Advanced Collection Bureau, Inc. operate? ▼
Advanced Collection Bureau, Inc. has received CFPB complaints from consumers in 31 states, with the most complaints from Florida (188 complaints).
What can I do if Advanced Collection Bureau, Inc. 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 Advanced Collection Bureau, Inc. 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 |