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

CFPB complaint data Grade D 30 complaints

Atlantic Collection Agency, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Complaints by issue type

What consumers report about Atlantic Collection Agency, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record atlantic-collection-agency-inc Atlantic Collection Agency, Inc.

Grade D · 30 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 30
  • GRADE D
  • 12MO 8
  • STATES 8
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #1,530
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Capital Recovery Corporation (30 complaints)

Capital Recovery CorporationCapital Recovery Corporation30Collection at Law, Inc. A.P.C.Collection at Law, Inc. A.P.…30Credit One LLCCredit One LLC30Firstbank Puerto RicoFirstbank Puerto Rico30Atlantic Collection Agency, Inc. (this)Atlantic Collection Agency, …30
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Atlantic Collection Agency, Inc.'s 30 CFPB complaints sit next to Capital Recovery Corporation 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 30 complaints break down

Every complaint issue type on record for Atlantic Collection Agency, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.4/100
Atlantic Collection Agency, 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 D
30
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

73.3% of Atlantic Collection Agency, Inc.'s CFPB filings land in Connecticut

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Connecticut 73.3%
22 of 30 filings · 8 states touched
Spike month
2017-11 21.1%
4 filings that month · spiky (≥15% of series)
Corpus ranks
#1,530 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Atlantic Collection Agency, Inc. compare to its peers?

How does Atlantic Collection Agency, 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
Atlantic Collection Agency, Inc. National average
Complaints (last 12 mo)lower is better
8
7
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
0%
20%
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 Atlantic Collection Agency, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 40%60%80%100%120% 10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) Atlantic Collection Agency, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Capital Recovery CorporationCollection at Law, Inc. A.P.C.Credit One LLCFIRSTBANK PUERTO RICOGreystone Alliance LLCHIGHLAND FINANCIAL SERVICES (Closed)INTEGRAL RECOVERIES, INC.Jenkins, Wagnon & Young, P.C.Law Office of Linda Strumpf
Source: CFPB Consumer Complaint Database

Atlantic Collection Agency, Inc.'s complaint volume in context

Atlantic Collection Agency, 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)

30 72nd percentile higher than 72% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Atlantic Collection Agency, 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 →
2015-09 2025-04

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
16
Written notification about debt
6
False statements or representation
5
Took or threatened to take negative or legal action
2
Communication tactics
1

Where do complaints against Atlantic Collection Agency, Inc. come from?

Atlantic Collection Agency, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Atlantic Collection Agency, Inc.

Across 8 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 Atlantic Collection Agency, 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: 30.

4 peers

Know your rights before responding to Atlantic Collection Agency, 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.