CFPB · Single-product concentration
Action Collection Service
113 CFPB complaints · 89.4% in "Debt collection" · top issue Attempts to collect debt not owed.
Action Collection Service: 89.4% of 113 CFPB complaints sit in "Debt collection". Timely 89.4% · relief 2.7%. Allegations, not findings.
- Single-product concentration
- +200% filings 2013 to 2026
CFPB relief outcome brief
CCDB company action-collection-service
2.7% relief · 89.4% timely · 113 filings · Debt collection
Same-product relief peers
Nearest relief peer: Duvera Billing Services, LLC (2.7% relief)
Action Collection Service closes 2.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Action Collection Service's 113 filings include narrative text
46% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Action Collection Service complaint mix by product
- Debt collection 101 89.4% – 3% relief
- Credit reporting, 7 6.2% – 0% relief
- Credit reporting 3 2.7% – 0% relief
- Checking or 1 0.9% – 0% relief
- Debt or 1 0.9% – 0% relief
How Action Collection Service's 113 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 101 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 3 |
| Checking or savings account | 1 |
| Debt or credit management | 1 |
Concentrated filing states for Action Collection Service
Top states by attributed CFPB complaint volume for this company
- Leading state
- ID
- 61.1% of this company's filings
Action Collection Service rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 15
- +200% vs 2013
Top States
| State | Complaints |
|---|---|
| ID | 69 |
| WA | 11 |
| CA | 4 |
| TX | 4 |
| IN | 3 |
| MT | 3 |
| MP | 2 |
| CO | 2 |
| OR | 2 |
| AK | 1 |
| NM | 1 |
| MI | 1 |
| AL | 1 |
| DC | 1 |
| HI | 1 |
| NV | 1 |
| WI | 1 |
| FL | 1 |
| NH | 1 |
| NY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 23 |
| Communication tactics | 23 |
| False statements or representation | 17 |
| Written notification about debt | 15 |
| Cont'd attempts collect debt not owed | 12 |
| Disclosure verification of debt | 6 |
| Incorrect information on your report | 5 |
| Took or threatened to take negative or legal action | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Closing an account | 1 |
| Unauthorized withdrawals or charges | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 9 | 100% |
| 2015 | 11 | 100% |
| 2016 | 6 | 100% |
| 2017 | 5 | 80% |
| 2018 | 5 | 100% |
| 2019 | 5 | 100% |
| 2020 | 6 | 100% |
| 2021 | 7 | 100% |
| 2022 | 10 | 100% |
| 2023 | 9 | 100% |
| 2024 | 8 | 100% |
| 2025 | 12 | 58.3% |
| 2026 | 15 | 60% |
Source: CFPB Consumer Complaint Database
Action Collection Service filings cluster in one product
Action Collection Service's 113 logged complaints stay concentrated: only 21 states show a filing. 46% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-02.
Action Collection Service answers 89.4% of complaints inside the CFPB's tracked window and closes 90.3% with a written explanation. 2.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Action Collection Service.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Action Collection Service: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 113.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 89.4%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Action Collection Service (89.4% timely; 2.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration