Total CFPB complaints
118
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 118 complaints
Applied Business Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Applied Business Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
50 complaints
- Written notification about debt
Written notification about debt
21 complaints
- Cont'd attempts collect debt not owed 19
Cont'd attempts collect debt not owed
19 complaints
- Took or threatened to take negative or legal action 11
Took or threatened to take negative or legal action
11 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
D
Grade D · 53.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Applied Business Services, Inc.?
Applied Business Services, Inc. has accumulated 118 total CFPB complaints across 24 states, with 13 filed in the most recent 12 months against 105 historical complaints before that window. The trailing-12-month volume represents 11.0% 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 "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 75% timely-response rate against a 15% 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 24 states, led by North Carolina with 28 and South Carolina with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Applied Business Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
13
11.0% of total history
Rising ↑
States active
24
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
53.0/100 composite
Response-quality profile
How Applied Business Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Applied Business Services, Inc. compare to its peers?
Applied Business Servi… 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)
2021-08 2026-02
Top Consumer Issues
Attempts to collect debt not owed50 (%)
Written notification about debt21 (%)
Took or threatened to take negative or legal action11 (%)
Cont'd attempts collect debt not owed19 (%)
False statements or representation5 (%)
Disclosure verification of debt2 (%)
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 | 35 |
| Written notification about debt | Didn't receive enough information to verify debt | 17 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 10 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
Where do complaints against Applied Business Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Applied Business Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Applied Business Services, Inc.
Across 24 states with at least one filing
- North Carolina
North Carolina
28 complaints
- South Carolina
South Carolina
22 complaints
- Georgia
Georgia
15 complaints
- Florida
Florida
14 complaints
- Virginia 7
Virginia
7 complaints
- New Jersey 4
New Jersey
4 complaints
- Texas 4
Texas
4 complaints
- California 3
California
3 complaints
Frequently Asked Questions
What is the most common complaint against Applied Business Services, Inc.? ▼
The most common issue consumers report about Applied Business Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 118 complaints filed with the CFPB.
Are complaints against Applied Business Services, Inc. increasing or decreasing? ▼
Complaints against Applied Business Services, Inc. are rising. The company received 13 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Applied Business Services, Inc.'s reputation grade? ▼
Applied Business Services, Inc. has a reputation grade of D (score: 53.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Applied Business Services, Inc. respond to consumer complaints? ▼
Applied Business Services, Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Applied Business Services, Inc. operate? ▼
Applied Business Services, Inc. has received CFPB complaints from consumers in 24 states, with the most complaints from North Carolina (28 complaints).
What can I do if Applied Business Services, Inc. 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 Applied Business Services, Inc. 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 |