CFPB · Narrative-heavy record
Action Credit, LLC
19 CFPB complaints · 42.1% with narratives · top issue Struggling to pay your loan.
Action Credit, LLC: 42.1% of 19 filings include consumer narratives. Timely 78.9% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2018 to 2026
CFPB relief outcome brief
CCDB company action-credit-llc
0% relief · 78.9% timely · 19 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Action Credit, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Action Credit, LLC's 19 filings include narrative text
42.1% 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 Credit, LLC complaint mix by product
- Debt collection 9 47.4% – 0% relief
- Payday loan, 8 42.1% – 0% relief
- Payday loan, 1 5.3% – 0% relief
- Credit reporting, 1 5.3% – 0% relief
How Action Credit, LLC's 19 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 9 |
| Payday loan, title loan, or personal loan | 8 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Action Credit, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 94.7% of this company's filings
Action Credit, LLC complaints by year
Annual filing volume from the CFPB public database
- 2026
- 4
- 0% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 18 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 5 |
| Attempts to collect debt not owed | 3 |
| Took or threatened to take negative or legal action | 3 |
| Problem when making payments | 2 |
| False statements or representation | 1 |
| Communication tactics | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Loan payment wasn't credited to your account | 1 |
| Incorrect information on your report | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 4 | 0% |
| 2019 | 2 | 100% |
| 2020 | 2 | 100% |
| 2021 | 1 | 100% |
| 2023 | 2 | 100% |
| 2025 | 4 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Action Credit, LLC's narrative-rich complaint ledger
Action Credit, LLC's 19 logged complaints stay concentrated: only 2 states show a filing. 42.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-04-27.
Action Credit, LLC answers 78.9% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 "Struggling to pay your loan."
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 Credit, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Action Credit, LLC: 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: 19.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 78.9%.
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 Credit, LLC (78.9% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record