Total CFPB complaints
504
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 504 complaints
Associated Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Associated Credit Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
236 complaints
- Written notification about debt 90
Written notification about debt
90 complaints
- False statements or representation 36
False statements or representation
36 complaints
- Communication tactics 36
Communication tactics
36 complaints
- Took or threatened to take negative or legal action 27
Took or threatened to take negative or legal action
27 complaints
- Cont'd attempts collect debt not owed 9
Cont'd attempts collect debt not owed
9 complaints
D
Grade D · 52.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Associated Credit Services, Inc.?
Associated Credit Services, Inc. has accumulated 504 total CFPB complaints across 37 states, with 113 filed in the most recent 12 months against 391 historical complaints before that window. The trailing-12-month volume represents 22.4% 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 99% timely-response rate against a 35% 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 37 states, led by New York with 91 and Massachusetts with 66, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.7/100 places Associated Credit 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
113
22.4% of total history
Rising ↑
States active
37
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
35%
After company response
Reputation grade
D
52.7/100 composite
Response-quality profile
How Associated Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 69.8%
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?
Associated Credit Serv… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed236 (%)
Written notification about debt90 (%)
False statements or representation36 (%)
Took or threatened to take negative or legal action27 (%)
Communication tactics36 (%)
Cont'd attempts collect debt not owed9 (%)
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 | 154 |
| Written notification about debt | Didn't receive enough information to verify debt | 55 |
| Attempts to collect debt not owed | Debt was result of identity theft | 48 |
| False statements or representation | Attempted to collect wrong amount | 36 |
| Written notification about debt | Didn't receive notice of right to dispute | 35 |
| Attempts to collect debt not owed | Debt was paid | 34 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 27 |
| Communication tactics | Frequent or repeated calls | 25 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 9 |
Where do complaints against Associated Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Associated Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Associated Credit Services, Inc.
Across 37 states with at least one filing
- New York
New York
91 complaints
- Massachusetts
Massachusetts
66 complaints
- Texas
Texas
49 complaints
- California 36
California
36 complaints
- Georgia 36
Georgia
36 complaints
- Florida 31
Florida
31 complaints
- Pennsylvania 29
Pennsylvania
29 complaints
- Maryland 20
Maryland
20 complaints
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 504 complaints filed with the CFPB.
Are complaints against Associated Credit Services, Inc. increasing or decreasing? ▼
Complaints against Associated Credit Services, Inc. are rising. The company received 113 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Associated Credit Services, Inc.'s reputation grade? ▼
Associated Credit Services, Inc. has a reputation grade of D (score: 52.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (91 complaints).
What can I do if Associated Credit 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 Associated Credit 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 |