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

Data updated July 2026

D

Grade D · 52.7/100 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: Associated Credit Services, Inc. ranks ahead of 20% of the 5,283 collectors PlainCollector grades - 80% keep a cleaner CFPB record, on 548 all-time complaints and a 99% timely-response rate.

20th pct
reputation rank of 5,283 graded collectors
548
CFPB complaints, all-time
99%
answered inside the CFPB window
117
in the last 12 months (stable)

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 Associated Credit Services, Inc.?

Associated Credit Services, Inc. has accumulated 548 total CFPB complaints across 37 states, with 117 filed in the most recent 12 months against 431 historical complaints before that window. The trailing-12-month volume represents 21.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

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 99% timely-response rate against a 35% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by New York with 101 and Massachusetts with 69. Normalized against the full CFPB collector database, the reputation score of 52.7/100 places Associated Credit Services, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

548

mid-volume (CCDB)

Last 12 months

117

21.4% of all-time complaints

Stable →

States active

37

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

35%

high (vertical avg ~19%)

Reputation grade

D

52.7/100 composite

How does Associated Credit Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

53 Bottom 20% higher than 20% 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

Associated Credit Services, Inc. versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 34.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 66.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Associated Credit Serv… 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.

Complaint Trend (24 months)

2024-03 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Associated Credit Services, Inc. contacts you

A grade of D signals how Associated Credit 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 Associated Credit 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 Associated Credit 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 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: 52.7/100), 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).

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.