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

CFPB complaint data Grade D 122 complaints

Applied Business Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 24 states, reputation grade D.

Complaints by issue type

What consumers report about Applied Business Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record applied-business-services-inc Applied Business Services, Inc.

Grade D · 122 CFPB filings · 75% timely · lead issue: Attempts to collect debt not owed

  • VOL 122
  • GRADE D
  • 12MO 16
  • STATES 24
  • TIMELY 75%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #745
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Professional Adjustment Corp. of S.W. FL., Inc. (122 complaints)

Professional Adjustment Corp. of S.W. FL., Inc.Professional Adjustment Corp…122Stellantis Financial Services US Corp.Stellantis Financial Service…122Applied Business Services, Inc. (this)Applied Business Services, I…122Global Solution BIZ LLC.Global Solution BIZ LLC.123High Point Asset IncHigh Point Asset Inc123
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Applied Business Services, Inc.'s 122 CFPB complaints sit next to Professional Adjustment Corp. of S.W. FL., 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 →

How the 122 complaints break down

Every complaint issue type on record for Applied Business Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.4/100
Applied Business Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
122
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
75%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

North Carolina is the plurality state for Applied Business Services, Inc. (23.0%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
North Carolina 23.0%
Mid-band (15–30%) · 24 states with ≥1 filing
Seasonal peak
2014-03 10.3%
8–15% band · 4 filings
Corpus ranks
#745 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Applied Business Services, Inc. compare to its peers?

How does Applied Business Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Applied Business Services, Inc. National average
Complaints (last 12 mo)lower is better
16
0
268
Timely-response ratehigher is better
75%
98%
91%
Consumer-dispute ratelower is better
15%
28%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Applied Business Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%20%40%60%80% Timely response rate (%) Dispute rate (%) Applied Business Services, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Applied Business Services, Inc.Professional Adjustment Corp. of S.W. FL., Inc.United Credit and Collections Inc.High Point Asset IncGLOBAL SOLUTION BIZ LLC.American Recovery Service IncorporatedC.Tech Collections, Inc.Seterus, Inc.Express Collections, Inc.
Source: CFPB Consumer Complaint Database

Applied Business Services, Inc.'s complaint volume in context

Applied Business Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

122 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Applied Business Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2013-11 2018-08

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
50
Written notification about debt
21
Cont'd attempts collect debt not owed
19
Took or threatened to take negative or legal action
18
False statements or representation
6
Communication tactics
4
Disclosure verification of debt
3
Improper contact or sharing of info
1

Where do complaints against Applied Business Services, Inc. come from?

Applied Business Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Applied Business Services, Inc.

Across 24 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Applied Business Services, Inc.: 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: 122.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 75.42372881355932%.

4 peers

Know your rights before responding to Applied Business Services, Inc.: 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.