What is the most common complaint against Automated Collection Services, Inc.?

The most common issue consumers report about Automated Collection Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 233 complaints filed with the CFPB.

Are complaints against Automated Collection Services, Inc. increasing or decreasing?

Complaints against Automated Collection Services, Inc. are falling. The company received 38 complaints in the last 12 months, showing improvement over prior periods.

What is Automated Collection Services, Inc.'s reputation grade?

Automated Collection Services, Inc. has a reputation grade of D (score: 54.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Automated Collection Services, Inc. respond to consumer complaints?

Automated Collection Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Automated Collection Services, Inc. operate?

Automated Collection Services, Inc. has received CFPB complaints from consumers in 32 states, with the most complaints from Tennessee (66 complaints).

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

Automated Collection Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

90
Written notification about debt

47
Communication tactics

27
False statements or representation

23
Took or threatened to take negative or legal action

16
Cont'd attempts collect debt not owed

14

Data updated September 2026

CFPB complaint disposition

CCDB record automated-collection-services-inc Automated Collection Services, Inc.

Grade D · 233 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #475 · compose #3403

VOL 233
GRADE D
12MO 38
STATES 32
TIMELY 99%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #475
COMPOSE #3,403

Volume peers

Nearest volume peer: Hollis Cobb Associates (233 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Automated Collection Services, Inc.'s 233 CFPB complaints sit next to Hollis Cobb Associates 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 →

Spiky monthly series

Tennessee is the plurality state for Automated Collection Services, Inc. (28.3%)

The 2013-10 spike coincides with a 2,928-place gap between volume rank #475 and composite #3,403. Corpus placement method.

Plurality state: Tennessee 28.3%; Mid-band (15–30%) · 32 states with ≥1 filing
Spike month: 2013-10 17.4%; 4 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #475 volume; #3,403 composite; Cleanest-composite ladder is 2,928 places worse than volume

How does Automated Collection Services, Inc. compare to its peers?

How does Automated Collection Services, 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

Automated Collection S… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

96%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-07 2025-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	90
Written notification about debt	47
Communication tactics	27
False statements or representation	23
Took or threatened to take negative or legal action	16
Cont'd attempts collect debt not owed	14
Disclosure verification of debt	5
Taking/threatening an illegal action	5
Electronic communications	4
Threatened to contact someone or share information improperly	1

Where do complaints against Automated Collection Services, Inc. come from?

Automated Collection Services, Inc.'s own per-state count, not a national baseline.

Tennessee

66
Texas

25
Florida

22
Georgia

18
California

17
Missouri

9
North Carolina

8
Arizona

7

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Automated Collection Services, 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: 233.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.09909909909909%.

4 peers

Know your rights before responding to Automated Collection Services, 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.