Total CFPB complaints
21
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 21 complaints
Affiliated Creditors, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Affiliated Creditors, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Communication tactics
Communication tactics
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Written notification about debt
Written notification about debt
2 complaints
- False statements or representation
False statements or representation
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 60.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Affiliated Creditors, Inc.?
Affiliated Creditors, Inc. has accumulated 21 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 21 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 11% 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 4 states, led by Tennessee with 18 and Virginia with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.8/100 places Affiliated Creditors, Inc. 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
4
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
C
60.8/100 composite
Response-quality profile
How Affiliated Creditors, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 71.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 22.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Affiliated Creditors, Inc. compare to its peers?
Affiliated Creditors, … 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)
2015-01 2022-02
Top Consumer Issues
Cont'd attempts collect debt not owed4 (%)
Communication tactics4 (%)
Written notification about debt2 (%)
Attempts to collect debt not owed4 (%)
Disclosure verification of debt1 (%)
False statements or representation2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Called outside of 8am-9pm | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
Where do complaints against Affiliated Creditors, Inc. come from?
The states where consumers have filed the most CFPB complaints against Affiliated Creditors, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Affiliated Creditors, Inc.
Across 4 states with at least one filing
- Tennessee
Tennessee
18 complaints
- Virginia 1
Virginia
1 complaints
- Ohio 1
Ohio
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Affiliated Creditors, Inc.? ▼
The most common issue consumers report about Affiliated Creditors, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 21 complaints filed with the CFPB.
Are complaints against Affiliated Creditors, Inc. increasing or decreasing? ▼
Complaints against Affiliated Creditors, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Affiliated Creditors, Inc.'s reputation grade? ▼
Affiliated Creditors, Inc. has a reputation grade of C (score: 60.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Affiliated Creditors, Inc. respond to consumer complaints? ▼
Affiliated Creditors, Inc. has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.
In how many states does Affiliated Creditors, Inc. operate? ▼
Affiliated Creditors, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Tennessee (18 complaints).
What can I do if Affiliated Creditors, 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 Affiliated Creditors, 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 |