Total CFPB complaints
17
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 17 complaints
Association Capital Resources, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Association Capital Resources, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
F
Grade F · 35.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Association Capital Resources, LLC?
Association Capital Resources, LLC has accumulated 17 total CFPB complaints across 4 states, with 3 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 17.6% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 35% timely-response rate against a 67% 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 4 states, led by Florida with 11 and New York with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 35.8/100 places Association Capital Resources, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
17.6% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
35%
Within CFPB SLA window
Consumer disputes
67%
After company response
Reputation grade
F
35.8/100 composite
Response-quality profile
How Association Capital Resources, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 35.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Association Capital Resources, LLC compare to its peers?
Association Capital Re… 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)
2014-10 2026-02
Top Consumer Issues
Cont'd attempts collect debt not owed4 (%)
Took or threatened to take negative or legal action3 (%)
Disclosure verification of debt3 (%)
False statements or representation2 (%)
Improper contact or sharing of info1 (%)
Taking/threatening an illegal action2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Association Capital Resources, LLC come from?
The states where consumers have filed the most CFPB complaints against Association Capital Resources, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Association Capital Resources, LLC
Across 4 states with at least one filing
- Florida
Florida
11 complaints
- New York 4
New York
4 complaints
- New Jersey 1
New Jersey
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Association Capital Resources, LLC? ▼
The most common issue consumers report about Association Capital Resources, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 17 complaints filed with the CFPB.
Are complaints against Association Capital Resources, LLC increasing or decreasing? ▼
Complaints against Association Capital Resources, LLC are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Association Capital Resources, LLC's reputation grade? ▼
Association Capital Resources, LLC has a reputation grade of F (score: 35.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Association Capital Resources, LLC respond to consumer complaints? ▼
Association Capital Resources, LLC has a 35% timely response rate to CFPB complaints. Consumers disputed the company's response in 67% of cases.
In how many states does Association Capital Resources, LLC operate? ▼
Association Capital Resources, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Florida (11 complaints).
What can I do if Association Capital Resources, LLC 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 Association Capital Resources, LLC 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 |