What is the most common complaint against American Collection Services, Inc. (OK, TX)?

The most common issue consumers report about American Collection Services, Inc. (OK, TX) is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 91 complaints filed with the CFPB.

Are complaints against American Collection Services, Inc. (OK, TX) increasing or decreasing?

Complaints against American Collection Services, Inc. (OK, TX) are falling. The company received 10 complaints in the last 12 months, showing improvement over prior periods.

What is American Collection Services, Inc. (OK, TX)'s reputation grade?

American Collection Services, Inc. (OK, TX) has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Collection Services, Inc. (OK, TX) respond to consumer complaints?

American Collection Services, Inc. (OK, TX) has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 5% of cases.

In how many states does American Collection Services, Inc. (OK, TX) operate?

American Collection Services, Inc. (OK, TX) has received CFPB complaints from consumers in 14 states, with the most complaints from Oklahoma (67 complaints).

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

American Collection Services, Inc. (OK, TX) - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade C.

Compiled by PlainCollector

Written notification about debt

25
Attempts to collect debt not owed

21
False statements or representation

9
Communication tactics

9
Cont'd attempts collect debt not owed

9
Took or threatened to take negative or legal action

6

Data updated September 2026

CFPB complaint disposition

CCDB record american-collection-services-inc-ok-tx American Collection Services, Inc. (OK, TX)

Grade C · 91 CFPB filings · 100% timely · lead issue: Written notification about debt · vol #852 · compose #2136

VOL 91
GRADE C
12MO 10
STATES 14
TIMELY 100%
DISPUTE 5%
ISSUE Written notification about…
RANK #852
COMPOSE #2,136

Volume peers

Nearest volume peer: American Capital Enterprises, Inc. (91 complaints)

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

American Collection Services, Inc. (OK, TX)'s 91 CFPB complaints sit next to American Capital Enterprises, Inc. 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

73.6% of American Collection Services, Inc. (OK, TX)'s CFPB filings land in Oklahoma

High volume does not equal a clean composite: American Collection Services, Inc. (OK, TX) is volume #852 but composite #2,136, while Oklahoma dominates the geography. Corpus placement method.

Dominant state: Oklahoma 73.6%; 67 of 91 filings · 14 states touched
Spike month: 2024-07 25.0%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #852 volume; #2,136 composite; Cleanest-composite ladder is 1,284 places worse than volume

How does American Collection Services, Inc. (OK, TX) compare to its peers?

How does American Collection Services, Inc. (OK, TX) compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

American Collection Se… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-04 2024-12

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	25
Attempts to collect debt not owed	21
False statements or representation	9
Communication tactics	9
Cont'd attempts collect debt not owed	9
Took or threatened to take negative or legal action	6
Disclosure verification of debt	6
Threatened to contact someone or share information improperly	4
Improper contact or sharing of info	2

Where do complaints against American Collection Services, Inc. (OK, TX) come from?

American Collection Services, Inc. (OK, TX)'s own per-state count, not a national baseline.

Oklahoma

67
Texas

6
Illinois

3
Utah

3
California

2
North Carolina

2
Arkansas

1
Colorado

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Collection Services, Inc. (OK, TX): 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: 91.

4 peers

Know your rights before responding to American Collection Services, Inc. (OK, TX): 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.