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

Data updated July 2026

D

Grade D · 53.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Applied Business Services, Inc. ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 122 all-time complaints and a 75% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
122
CFPB complaints, all-time
75%
answered inside the CFPB window
16
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Applied Business Services, Inc.?

Applied Business Services, Inc. has accumulated 122 total CFPB complaints across 24 states, with 16 filed in the most recent 12 months against 106 historical complaints before that window. The trailing-12-month volume represents 13.1% 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". The company posts a 75% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 24 states, led by North Carolina with 28 and South Carolina with 22. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Applied Business Services, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

122

mid-volume (CCDB)

Last 12 months

16

13.1% of all-time complaints

Falling ↓

States active

24

multi-region footprint

Timely response rate

75%

acceptable band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

D

53.0/100 composite

How does Applied Business Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

53 Bottom 21% higher than 21% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Applied Business Services, Inc. versus the debt-collection vertical average.

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) 15.4%
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?

How does Applied Business Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Applied Business Servi… 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.

Complaint Trend (24 months)

2013-11 2018-08

Issue Detail Breakdown

Issue Sub-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

What to do if Applied Business Services, Inc. contacts you

A grade of D signals how Applied Business Services, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Applied Business Services, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Applied Business Services, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 122 complaints filed with the CFPB.

Are complaints against Applied Business Services, Inc. increasing or decreasing? ▼

Complaints against Applied Business Services, Inc. are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.

What is Applied Business Services, Inc.'s reputation grade? ▼

Applied Business Services, Inc. has a reputation grade of D (score: 53.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.