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

CFPB complaint data Grade D 871 complaints

Atlanticus Services Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 46 states, reputation grade D.

Complaints by issue type

What consumers report about Atlanticus Services Corporation

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

Data updated September 2026

CFPB complaint disposition

CCDB record atlanticus-services-corporation Atlanticus Services Corporation

Grade D · 871 CFPB filings · 92% timely · lead issue: Attempts to collect debt not owed · vol #173 · compose #253

  • VOL 871
  • GRADE D
  • 12MO 288
  • STATES 46
  • TIMELY 92%
  • DISPUTE 12%
  • ISSUE Attempts to collect debt n…
  • RANK #173
  • COMPOSE #253

Volume peers

Nearest volume peer: Cedars Business Services, LLC (873 complaints)

R.M. Galicia, Inc.R.M. Galicia, Inc.852GLA Collection Company, Inc.GLA Collection Company, Inc.863Upstart Holdings, Inc.Upstart Holdings, Inc.865Atlanticus Services Corporation (this)Atlanticus Services Corporat…871Cedars Business Services, LLCCedars Business Services, LLC873
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Atlanticus Services Corporation's 871 CFPB complaints sit next to Cedars Business Services, LLC 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 871 complaints break down

Every complaint issue type on record for Atlanticus Services Corporation, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.1/100
Atlanticus Services Corporation

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 F
871
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
12%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Atlanticus Services Corporation spreads filings across 46 states - Florida leads at only 11.1%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 11.1% across 46 states
Seasonal peak
2026-01 8.4%
8–15% band · 76 filings
Corpus ranks
#173 volume
#253 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Atlanticus Services Corporation compare to its peers?

How does Atlanticus Services Corporation compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Atlanticus Services Corporation National average
Complaints (last 12 mo)lower is better
288
268
268
Timely-response ratehigher is better
92%
96%
91%
Consumer-dispute ratelower is better
12%
26%
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 Atlanticus Services Corporation 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 90%92%94%96%98%100%102% 10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) Atlanticus Services Corporation vs. 8 similar-volume peers, by response speed and dispute rate Atlanticus Services CorporationCedars Business Services, LLCGLA Collection Company, Inc.R.M. Galicia, Inc.Synergetic Communication IncPNC Bank N.A.Ditech Financial LLCArmy and Air Force Exchange ServiceLinebarger Goggan Blair & Sampson LLP
Source: CFPB Consumer Complaint Database

Atlanticus Services Corporation's complaint volume in context

Atlanticus Services Corporation 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)

871 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Atlanticus Services Corporation 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)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
383
Took or threatened to take negative or legal action
125
Written notification about debt
103
False statements or representation
101
Communication tactics
74
Cont'd attempts collect debt not owed
31
Electronic communications
21
Disclosure verification of debt
12
Threatened to contact someone or share information improperly
10
Taking/threatening an illegal action
7

Where do complaints against Atlanticus Services Corporation come from?

Atlanticus Services Corporation's own per-state count, not a national baseline.

Top states by complaints against Atlanticus Services Corporation

Across 46 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 Atlanticus Services Corporation: 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: 871.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 91.66666666666666%.

4 peers

Know your rights before responding to Atlanticus Services Corporation: 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.