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

CFPB complaint data Grade D 548 complaints

Associated Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Complaints by issue type

What consumers report about Associated Credit Services, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record associated-credit-services-inc Associated Credit Services, Inc.

Grade D · 548 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #256 · compose #395

  • VOL 548
  • GRADE D
  • 12MO 117
  • STATES 37
  • TIMELY 99%
  • DISPUTE 35%
  • ISSUE Attempts to collect debt n…
  • RANK #256
  • COMPOSE #395

Volume peers

Nearest volume peer: Strategic Alliances, Inc. (547 complaints)

SCA Collections, Inc.SCA Collections, Inc.542Strategic Alliances, Inc.Strategic Alliances, Inc.547Associated Credit Services, Inc. (this)Associated Credit Services, …548MoneyLion Inc.MoneyLion Inc.552Oportun Financial CorporationOportun Financial Corporation555
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Associated Credit Services, Inc.'s 548 CFPB complaints sit next to Strategic Alliances, 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 548 complaints break down

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

Reputation score breakdown

D
Composite reputation score
49.9/100
Associated Credit 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
548
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
35%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

New York is the plurality state for Associated Credit Services, Inc. (18.4%)

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

Plurality state
New York 18.4%
Mid-band (15–30%) · 37 states with ≥1 filing
Seasonal peak
2025-09 10.2%
8–15% band · 18 filings
Corpus ranks
#256 volume
#395 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Associated Credit Services, Inc. compare to its peers?

How does Associated Credit 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
Associated Credit Services, Inc. National average
Complaints (last 12 mo)lower is better
117
55
268
Timely-response ratehigher is better
99%
90%
91%
Consumer-dispute ratelower is better
35%
16%
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 Associated Credit Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Associated Credit Services, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Associated Credit Services, Inc.Strategic Alliances, Inc.SCA Collections, Inc.Thaxton Investment CorporationOPORTUN FINANCIAL CORPORATIONMonarch Recovery Holdings, Inc.Law Office of Michael J. Scott, PCEdFinancial ServicesCarMax, Inc.COMMUNITY CHOICE FINANCIAL, INC.
Source: CFPB Consumer Complaint Database

Associated Credit Services, Inc.'s complaint volume in context

Associated Credit 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)

548 Top 5% higher than 95% 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%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Associated Credit 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)

Stable →
2024-03 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
266
Written notification about debt
102
False statements or representation
48
Communication tactics
46
Took or threatened to take negative or legal action
37
Cont'd attempts collect debt not owed
19
Electronic communications
12
Disclosure verification of debt
10
Threatened to contact someone or share information improperly
7
Taking/threatening an illegal action
1

Where do complaints against Associated Credit Services, Inc. come from?

Associated Credit Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Associated Credit Services, Inc.

Across 37 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 Associated Credit 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: 548.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.61111111111111%.

4 peers

Know your rights before responding to Associated Credit 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.