Total CFPB complaints
69
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 69 complaints
Agency of Credit Control — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Agency of Credit Control
- Attempts to collect debt not owed
Attempts to collect debt not owed
29 complaints
- Written notification about debt
Written notification about debt
12 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- Threatened to contact someone or share information improperly 2
Threatened to contact someone or share information improperly
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Agency of Credit Control?
Agency of Credit Control has accumulated 69 total CFPB complaints across 14 states, with 7 filed in the most recent 12 months against 62 historical complaints before that window. The trailing-12-month volume represents 10.1% 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 96% timely-response rate against a 33% 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 14 states, led by Colorado with 41 and California with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places Agency of Credit Control 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
7
10.1% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
57.4/100 composite
Response-quality profile
How Agency of Credit Control performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Agency of Credit Control compare to its peers?
Agency of Credit Contr… 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)
2020-10 2026-02
Top Consumer Issues
Attempts to collect debt not owed29 (%)
False statements or representation10 (%)
Written notification about debt12 (%)
Disclosure verification of debt5 (%)
Threatened to contact someone or share information improperly2 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics1 (%)
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 | 19 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Threatened to contact someone or share information improperly | Contacted your employer | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Agency of Credit Control come from?
The states where consumers have filed the most CFPB complaints against Agency of Credit Control. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Agency of Credit Control
Across 14 states with at least one filing
- Colorado
Colorado
41 complaints
- California 5
California
5 complaints
- Oklahoma 5
Oklahoma
5 complaints
- Texas 3
Texas
3 complaints
- Kansas 3
Kansas
3 complaints
- Montana 2
Montana
2 complaints
- Illinois 2
Illinois
2 complaints
- Florida 2
Florida
2 complaints
Frequently Asked Questions
What is the most common complaint against Agency of Credit Control? ▼
The most common issue consumers report about Agency of Credit Control is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 69 complaints filed with the CFPB.
Are complaints against Agency of Credit Control increasing or decreasing? ▼
Complaints against Agency of Credit Control are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Agency of Credit Control's reputation grade? ▼
Agency of Credit Control has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Agency of Credit Control respond to consumer complaints? ▼
Agency of Credit Control has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Agency of Credit Control operate? ▼
Agency of Credit Control has received CFPB complaints from consumers in 14 states, with the most complaints from Colorado (41 complaints).
What can I do if Agency of Credit Control 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 Agency of Credit Control 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 |