Total CFPB complaints
59
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 59 complaints
American Student Assistance — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Student Assistance
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- False statements or representation
False statements or representation
8 complaints
- Written notification about debt
Written notification about debt
7 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- Communication tactics 3
Communication tactics
3 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Student Assistance?
American Student Assistance has accumulated 59 total CFPB complaints across 22 states, with 0 filed in the most recent 12 months against 59 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 93% timely-response rate against a 19% 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 22 states, led by Texas with 7 and Georgia 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 60.7/100 places American Student Assistance 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
0
0.0% of total history
Falling ↓
States active
22
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How American Student Assistance performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does American Student Assistance compare to its peers?
American Student Assis… 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)
2018-03 2024-10
Top Consumer Issues
Attempts to collect debt not owed15 (%)
False statements or representation8 (%)
Written notification about debt7 (%)
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt5 (%)
Communication tactics3 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 8 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against American Student Assistance come from?
The states where consumers have filed the most CFPB complaints against American Student Assistance. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Student Assistance
Across 22 states with at least one filing
- Texas
Texas
7 complaints
- Georgia
Georgia
5 complaints
- Massachusetts
Massachusetts
5 complaints
- Washington
Washington
5 complaints
- New York
New York
4 complaints
- Florida
Florida
3 complaints
- Oregon
Oregon
3 complaints
- California
California
3 complaints
Frequently Asked Questions
What is the most common complaint against American Student Assistance? ▼
The most common issue consumers report about American Student Assistance is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 59 complaints filed with the CFPB.
Are complaints against American Student Assistance increasing or decreasing? ▼
Complaints against American Student Assistance are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is American Student Assistance's reputation grade? ▼
American Student Assistance has a reputation grade of C (score: 60.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does American Student Assistance respond to consumer complaints? ▼
American Student Assistance has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does American Student Assistance operate? ▼
American Student Assistance has received CFPB complaints from consumers in 22 states, with the most complaints from Texas (7 complaints).
What can I do if American Student Assistance 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 Student Assistance 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 |