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

CFPB complaint data Grade D 61 complaints

Atlas Credit Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Complaints by issue type

What consumers report about Atlas Credit Company, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record atlas-credit-company-inc Atlas Credit Company, Inc.

Grade D · 61 CFPB filings · 100% timely · lead issue: Communication tactics

  • VOL 61
  • GRADE D
  • 12MO 9
  • STATES 5
  • TIMELY 100%
  • DISPUTE 38%
  • ISSUE Communication tactics
  • RANK #1,073
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Apothaker & Associates, PC (61 complaints)

Apothaker & Associates, PCApothaker & Associates, PC61Biehl & Biehl, IncBiehl & Biehl, Inc61BSI Financial Holdings, Inc.BSI Financial Holdings, Inc.61CashRepublic Holdings, Inc.CashRepublic Holdings, Inc.61Atlas Credit Company, Inc. (this)Atlas Credit Company, Inc. (…61
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Atlas Credit Company, Inc.'s 61 CFPB complaints sit next to Apothaker & Associates, PC 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 61 complaints break down

Every complaint issue type on record for Atlas Credit Company, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.8/100
Atlas Credit Company, 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
61
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 B
38%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

72.1% of Atlas Credit Company, Inc.'s CFPB filings land in Texas

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

Dominant state
Texas 72.1%
44 of 61 filings · 5 states touched
Even monthly load
Peak under 8%
Highest month 2019-01 at 6.9% (2 filings)
Corpus ranks
#1,073 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Atlas Credit Company, Inc. compare to its peers?

How does Atlas Credit Company, 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
Atlas Credit Company, Inc. National average
Complaints (last 12 mo)lower is better
9
11
268
Timely-response ratehigher is better
100%
93%
91%
Consumer-dispute ratelower is better
38%
25%
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 Atlas Credit Company, 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 50%60%70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Atlas Credit Company, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Atlas Credit Company, Inc.Apothaker & Associates, PCBiehl & Biehl, IncGeneral Service Bureau, Inc.Orion Portfolio Services, LLCQuality Loan Service CorporationRobinson, Reagan and Young PLLCUnited Collection Service, Inc (FL)Zarzaur and Schwartz, PC
Source: CFPB Consumer Complaint Database

Atlas Credit Company, Inc.'s complaint volume in context

Atlas Credit Company, 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)

61 Top 20% higher than 80% 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%). This entry sits in this band. 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. Atlas Credit Company, 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)

Falling ↓
2018-12 2024-07

Issue Detail Breakdown

Issue Complaints
Communication tactics
22
Attempts to collect debt not owed
11
Took or threatened to take negative or legal action
10
Threatened to contact someone or share information improperly
6
False statements or representation
4
Written notification about debt
2
Cont'd attempts collect debt not owed
2
Improper contact or sharing of info
2
Disclosure verification of debt
1
Electronic communications
1

Where do complaints against Atlas Credit Company, Inc. come from?

Atlas Credit Company, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Atlas Credit Company, Inc.

Across 5 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 Atlas Credit Company, 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: 61.

4 peers

Know your rights before responding to Atlas Credit Company, 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.