Total CFPB complaints
58
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 58 complaints
Atlas Credit Company, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Atlas Credit Company, Inc.
- Communication tactics
Communication tactics
22 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
9 complaints
- Threatened to contact someone or share information improperly 6
Threatened to contact someone or share information improperly
6 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Atlas Credit Company, Inc.?
Atlas Credit Company, Inc. has accumulated 58 total CFPB complaints across 5 states, with 7 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 12.1% 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 38% 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 5 states, led by Texas with 42 and Virginia with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places Atlas Credit Company, Inc. 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
7
12.1% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
58.6/100 composite
Response-quality profile
How Atlas Credit Company, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 75.0%
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?
Atlas Credit Company, … 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)
2021-07 2025-12
Top Consumer Issues
Communication tactics22 (%)
Took or threatened to take negative or legal action9 (%)
Attempts to collect debt not owed10 (%)
Threatened to contact someone or share information improperly6 (%)
False statements or representation2 (%)
Disclosure verification of debt1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Threatened to contact someone or share information improperly | Contacted your employer | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against Atlas Credit Company, Inc. come from?
The states where consumers have filed the most CFPB complaints against Atlas Credit Company, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Atlas Credit Company, Inc.
Across 5 states with at least one filing
- Texas
Texas
42 complaints
- Virginia 9
Virginia
9 complaints
- Oklahoma 4
Oklahoma
4 complaints
- Missouri 2
Missouri
2 complaints
- Georgia 1
Georgia
1 complaints
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 58 complaints filed with the CFPB.
Are complaints against Atlas Credit Company, Inc. increasing or decreasing? ▼
Complaints against Atlas Credit Company, Inc. are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Atlas Credit Company, Inc.'s reputation grade? ▼
Atlas Credit Company, Inc. has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (42 complaints).
What can I do if Atlas Credit Company, Inc. 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 Atlas Credit Company, Inc. 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 |