Total CFPB complaints
14
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 14 complaints
American Collection Systems, Inc. (OH) — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Collection Systems, Inc. (OH)
- False statements or representation
False statements or representation
3 complaints
- Communication tactics
Communication tactics
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
F
Grade F · 51.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about American Collection Systems, Inc. (OH)?
American Collection Systems, Inc. (OH) has accumulated 14 total CFPB complaints across 11 states, with 1 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 7.1% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 29% timely-response rate against a 0% 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 11 states, led by Ohio with 2 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.3/100 places American Collection Systems, Inc. (OH) in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
7.1% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
29%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
51.3/100 composite
Response-quality profile
How American Collection Systems, Inc. (OH) performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 28.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does American Collection Systems, Inc. (OH) compare to its peers?
American Collection Sy… 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)
2015-03 2025-10
Top Consumer Issues
False statements or representation3 (%)
Communication tactics3 (%)
Attempts to collect debt not owed3 (%)
Disclosure verification of debt1 (%)
Threatened to contact someone or share information improperly1 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against American Collection Systems, Inc. (OH) come from?
The states where consumers have filed the most CFPB complaints against American Collection Systems, Inc. (OH). Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Collection Systems, Inc. (OH)
Across 11 states with at least one filing
- Ohio
Ohio
2 complaints
- Florida
Florida
2 complaints
- District of Columbia
District of Columbia
2 complaints
- Minnesota
Minnesota
1 complaints
- Mississippi
Mississippi
1 complaints
- Rhode Island
Rhode Island
1 complaints
- Indiana
Indiana
1 complaints
- North Carolina
North Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against American Collection Systems, Inc. (OH)? ▼
The most common issue consumers report about American Collection Systems, Inc. (OH) is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 14 complaints filed with the CFPB.
Are complaints against American Collection Systems, Inc. (OH) increasing or decreasing? ▼
Complaints against American Collection Systems, Inc. (OH) are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is American Collection Systems, Inc. (OH)'s reputation grade? ▼
American Collection Systems, Inc. (OH) has a reputation grade of F (score: 51.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does American Collection Systems, Inc. (OH) respond to consumer complaints? ▼
American Collection Systems, Inc. (OH) has a 29% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does American Collection Systems, Inc. (OH) operate? ▼
American Collection Systems, Inc. (OH) has received CFPB complaints from consumers in 11 states, with the most complaints from Ohio (2 complaints).
What can I do if American Collection Systems, Inc. (OH) 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 Systems, Inc. (OH) 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 |