Total CFPB complaints
780
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 780 complaints
Atlanticus Services Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 44 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Atlanticus Services Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
342 complaints
- Written notification about debt 85
Written notification about debt
85 complaints
- Took or threatened to take negative or legal action 81
Took or threatened to take negative or legal action
81 complaints
- False statements or representation 77
False statements or representation
77 complaints
- Communication tactics 60
Communication tactics
60 complaints
- Cont'd attempts collect debt not owed 15
Cont'd attempts collect debt not owed
15 complaints
D
Grade D · 55.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Atlanticus Services Corporation?
Atlanticus Services Corporation has accumulated 780 total CFPB complaints across 44 states, with 252 filed in the most recent 12 months against 528 historical complaints before that window. The trailing-12-month volume represents 32.3% 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 92% timely-response rate against a 12% 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 44 states, led by Florida with 87 and Georgia with 74, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.3/100 places Atlanticus Services Corporation 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
252
32.3% of total history
Rising ↑
States active
44
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
55.3/100 composite
Response-quality profile
How Atlanticus Services Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 24.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 78.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Atlanticus Services Corporation compare to its peers?
Atlanticus Services Co… 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 owed342 (%)
Took or threatened to take negative or legal action81 (%)
False statements or representation77 (%)
Written notification about debt85 (%)
Communication tactics60 (%)
Cont'd attempts collect debt not owed15 (%)
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 | 168 |
| Attempts to collect debt not owed | Debt was result of identity theft | 129 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 81 |
| False statements or representation | Attempted to collect wrong amount | 77 |
| Written notification about debt | Didn't receive enough information to verify debt | 49 |
| Attempts to collect debt not owed | Debt was paid | 45 |
| Communication tactics | Frequent or repeated calls | 44 |
| Written notification about debt | Didn't receive notice of right to dispute | 36 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 16 |
| Cont'd attempts collect debt not owed | Debt was paid | 15 |
Where do complaints against Atlanticus Services Corporation come from?
The states where consumers have filed the most CFPB complaints against Atlanticus Services Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Atlanticus Services Corporation
Across 44 states with at least one filing
- Florida
Florida
87 complaints
- Georgia
Georgia
74 complaints
- Texas
Texas
71 complaints
- California
California
59 complaints
- New York
New York
43 complaints
- Michigan
Michigan
37 complaints
- Ohio
Ohio
35 complaints
- North Carolina
North Carolina
35 complaints
Frequently Asked Questions
What is the most common complaint against Atlanticus Services Corporation? ▼
The most common issue consumers report about Atlanticus Services Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 780 complaints filed with the CFPB.
Are complaints against Atlanticus Services Corporation increasing or decreasing? ▼
Complaints against Atlanticus Services Corporation are rising. The company received 252 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Atlanticus Services Corporation's reputation grade? ▼
Atlanticus Services Corporation has a reputation grade of D (score: 55.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Atlanticus Services Corporation respond to consumer complaints? ▼
Atlanticus Services Corporation has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.
In how many states does Atlanticus Services Corporation operate? ▼
Atlanticus Services Corporation has received CFPB complaints from consumers in 44 states, with the most complaints from Florida (87 complaints).
What can I do if Atlanticus Services Corporation 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 Atlanticus Services Corporation 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 |