Total CFPB complaints
222
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 222 complaints
Automated Collection Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 31 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Automated Collection Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
86 complaints
- Written notification about debt
Written notification about debt
44 complaints
- Communication tactics 21
Communication tactics
21 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Took or threatened to take negative or legal action 12
Took or threatened to take negative or legal action
12 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
D
Grade D · 58.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Automated Collection Services, Inc.?
Automated Collection Services, Inc. has accumulated 222 total CFPB complaints across 31 states, with 39 filed in the most recent 12 months against 183 historical complaints before that window. The trailing-12-month volume represents 17.6% 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 99% timely-response rate against a 21% 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 31 states, led by Tennessee with 64 and Florida with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.0/100 places Automated Collection Services, 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
39
17.6% of total history
Rising ↑
States active
31
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
58.0/100 composite
Response-quality profile
How Automated Collection Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 41.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 55.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Automated Collection Services, Inc. compare to its peers?
Automated Collection S… 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)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed86 (%)
Written notification about debt44 (%)
False statements or representation17 (%)
Communication tactics21 (%)
Took or threatened to take negative or legal action12 (%)
Cont'd attempts collect debt not owed10 (%)
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 | 46 |
| Attempts to collect debt not owed | Debt was paid | 26 |
| Written notification about debt | Didn't receive notice of right to dispute | 24 |
| Written notification about debt | Didn't receive enough information to verify debt | 20 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Communication tactics | Frequent or repeated calls | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 14 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Communication tactics | Threatened to take legal action | 5 |
Where do complaints against Automated Collection Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Automated Collection Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Automated Collection Services, Inc.
Across 31 states with at least one filing
- Tennessee
Tennessee
64 complaints
- Florida 22
Florida
22 complaints
- Texas 22
Texas
22 complaints
- California 17
California
17 complaints
- Georgia 16
Georgia
16 complaints
- Missouri 9
Missouri
9 complaints
- Arizona 7
Arizona
7 complaints
- North Carolina 7
North Carolina
7 complaints
Frequently Asked Questions
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 222 complaints filed with the CFPB.
Are complaints against Automated Collection Services, Inc. increasing or decreasing? ▼
Complaints against Automated Collection Services, Inc. are rising. The company received 39 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Automated Collection Services, Inc.'s reputation grade? ▼
Automated Collection Services, Inc. has a reputation grade of D (score: 58.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 31 states, with the most complaints from Tennessee (64 complaints).
What can I do if Automated Collection Services, 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 Automated Collection Services, 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 |