Total CFPB complaints
7
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 7 complaints
Afterpay US Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Afterpay US Services, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 68.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Afterpay US Services, LLC?
Afterpay US Services, LLC has accumulated 7 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 7 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 "Attempts to collect debt not owed", narrowing to "Debt was paid", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Missouri with 1 and Florida 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 68.5/100 places Afterpay US Services, LLC in grade band B, 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
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
68.5/100 composite
Response-quality profile
How Afterpay US Services, LLC 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.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Afterpay US Services, LLC compare to its peers?
Afterpay US Services, … 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)
2021-09 2022-07
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Afterpay US Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Afterpay US Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Afterpay US Services, LLC
Across 7 states with at least one filing
- Missouri
Missouri
1 complaints
- Florida
Florida
1 complaints
- North Carolina
North Carolina
1 complaints
- California
California
1 complaints
- Maryland
Maryland
1 complaints
- Arizona
Arizona
1 complaints
- Georgia
Georgia
1 complaints
Frequently Asked Questions
What is the most common complaint against Afterpay US Services, LLC? ▼
The most common issue consumers report about Afterpay US Services, LLC is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 7 complaints filed with the CFPB.
Are complaints against Afterpay US Services, LLC increasing or decreasing? ▼
Complaints against Afterpay US Services, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Afterpay US Services, LLC's reputation grade? ▼
Afterpay US Services, LLC has a reputation grade of B (score: 68.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Afterpay US Services, LLC respond to consumer complaints? ▼
Afterpay US Services, LLC has a 100% timely response rate to CFPB complaints.
In how many states does Afterpay US Services, LLC operate? ▼
Afterpay US Services, LLC has received CFPB complaints from consumers in 7 states, with the most complaints from Missouri (1 complaints).
What can I do if Afterpay US 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 Afterpay US 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 |