What is the most common complaint against Associated Credit Services, Inc.?

The most common issue consumers report about Associated Credit Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 548 complaints filed with the CFPB.

Are complaints against Associated Credit Services, Inc. increasing or decreasing?

Complaints against Associated Credit Services, Inc. have been stable. The company received 117 complaints in the last 12 months.

What is Associated Credit Services, Inc.'s reputation grade?

Associated Credit Services, Inc. has a reputation grade of D (score: 49.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Associated Credit Services, Inc. respond to consumer complaints?

Associated Credit Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 35% of cases.

In how many states does Associated Credit Services, Inc. operate?

Associated Credit Services, Inc. has received CFPB complaints from consumers in 37 states, with the most complaints from New York (101 complaints).

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

Associated Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Compiled by PlainCollector

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

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 #4154

VOL 548
GRADE D
12MO 117
STATES 37
TIMELY 99%
DISPUTE 35%
ISSUE Attempts to collect debt n…
RANK #256
COMPOSE #4,154

Volume peers

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

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 →

Filing geometry

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

Volume rank #256 and composite rank #4,154 diverge by 3,898 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #256 volume; #4,154 composite; Cleanest-composite ladder is 3,898 places worse than volume

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 Serv… National average

Complaints (last 12 mo)lower is better

117

268

Timely-response ratehigher is better

99%

90%

91%

Consumer-dispute ratelower is better

35%

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

New York

101
Massachusetts

69
Texas

54
California

41
Georgia

40
Florida

33
Pennsylvania

31
Maryland

21

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.