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

Data updated July 2026

D

Grade D · 58.6/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Atlas Credit Company, Inc. ranks ahead of 37% of the 5,283 collectors PlainCollector grades - 63% keep a cleaner CFPB record, on 61 all-time complaints and a 100% timely-response rate.

37th pct
reputation rank of 5,283 graded collectors
61
CFPB complaints, all-time
100%
answered inside the CFPB window
9
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Atlas Credit Company, Inc.?

Atlas Credit Company, Inc. has accumulated 61 total CFPB complaints across 5 states, with 9 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 14.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 100% timely-response rate against a 38% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by Texas with 44 and Virginia with 10. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Atlas Credit Company, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

61

low-volume (CCDB)

Last 12 months

9

14.8% of all-time complaints

Falling ↓

States active

5

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

38%

high (vertical avg ~19%)

Reputation grade

D

58.6/100 composite

How does Atlas Credit Company, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 37th percentile higher than 37% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Atlas Credit Company, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 37.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 8.9%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Atlas Credit Company, … 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.

Complaint Trend (24 months)

2018-12 2024-07

Issue Detail Breakdown

Issue Sub-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

What to do if Atlas Credit Company, Inc. contacts you

A grade of D signals how Atlas Credit Company, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Atlas Credit Company, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Atlas Credit Company, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Atlas Credit Company, Inc.? ▼

The most common issue consumers report about Atlas Credit Company, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 61 complaints filed with the CFPB.

Are complaints against Atlas Credit Company, Inc. increasing or decreasing? ▼

Complaints against Atlas Credit Company, Inc. are falling. The company received 9 complaints in the last 12 months, showing improvement over prior periods.

What is Atlas Credit Company, Inc.'s reputation grade? ▼

Atlas Credit Company, Inc. has a reputation grade of D (score: 58.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Atlas Credit Company, Inc. respond to consumer complaints? ▼

Atlas Credit Company, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Atlas Credit Company, Inc. operate? ▼

Atlas Credit Company, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Texas (44 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.