Total CFPB complaints
90
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 90 complaints
American Collection Services, Inc. (OK, TX) — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Collection Services, Inc. (OK, TX)
- Written notification about debt
Written notification about debt
24 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Communication tactics 7
Communication tactics
7 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
C
Grade C · 65.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Collection Services, Inc. (OK, TX)?
American Collection Services, Inc. (OK, TX) has accumulated 90 total CFPB complaints across 13 states, with 10 filed in the most recent 12 months against 80 historical complaints before that window. The trailing-12-month volume represents 11.1% 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 "Written notification about debt", narrowing to "Didn't receive notice of right to dispute", 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 5% 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 13 states, led by Oklahoma with 67 and Texas with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.0/100 places American Collection Services, Inc. (OK, TX) 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
10
11.1% of total history
Stable →
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
5%
After company response
Reputation grade
C
65.0/100 composite
Response-quality profile
How American Collection Services, Inc. (OK, TX) 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) 9.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does American Collection Services, Inc. (OK, TX) compare to its peers?
American Collection Se… 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)
2022-09 2026-02
Top Consumer Issues
Written notification about debt24 (%)
Attempts to collect debt not owed16 (%)
False statements or representation8 (%)
Cont'd attempts collect debt not owed5 (%)
Disclosure verification of debt4 (%)
Communication tactics7 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Written notification about debt — Didn't receive notice of right to dispute
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 |
|---|---|---|
| Written notification about debt | Didn't receive notice of right to dispute | 12 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
Where do complaints against American Collection Services, Inc. (OK, TX) come from?
The states where consumers have filed the most CFPB complaints against American Collection Services, Inc. (OK, TX). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Collection Services, Inc. (OK, TX)
Across 13 states with at least one filing
- Oklahoma
Oklahoma
67 complaints
- Texas 6
Texas
6 complaints
- Utah 3
Utah
3 complaints
- Illinois 3
Illinois
3 complaints
- California 2
California
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Arkansas 1
Arkansas
1 complaints
- Colorado 1
Colorado
1 complaints
Frequently Asked Questions
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 90 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) have been stable. The company received 10 complaints in the last 12 months.
What is American Collection Services, Inc. (OK, TX)'s reputation grade? ▼
American Collection Services, Inc. (OK, TX) has a reputation grade of C (score: 65.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 13 states, with the most complaints from Oklahoma (67 complaints).
What can I do if American Collection Services, Inc. (OK, TX) 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 American Collection Services, Inc. (OK, TX) 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 |