CFPB · Single-product concentration

Associated Credit Services, Inc.

621 CFPB complaints · 88.1% in "Debt collection" · top issue Attempts to collect debt not owed.

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621 CFPB complaints

Associated Credit Services, Inc.: 88.1% of 621 CFPB complaints sit in "Debt collection". Timely 98.6% · relief 1.1%. Allegations, not findings.

  • Single-product concentration
  • +2266.7% filings 2013 to 2026

CFPB relief outcome brief

CCDB company associated-credit-services-inc

1.1% relief · 98.6% timely · 621 filings · Debt collection

Same-product relief peers

Nearest relief peer: AmeriCollect (1.1% relief)

Associated Credit Services, …1.1%Monarch Recovery Holdings, I…4.3%Law Office of Michael J. Sco…0%Concord Servicing Corporation3.5%Total Card, Inc.0.2%
Closed-with-relief % among Associated Credit Services, Inc. and nearest filing-volume peers

Associated Credit Services, Inc. closes 1.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Most of Associated Credit Services, Inc.'s 621 filings include narrative text

40.4% 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.

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Timely response rate 98.6%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 1.1%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Associated Credit Services, Inc. complaint mix by product

Total complaints: 621

Associated Credit Services, Inc. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 621 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 547 complaints (88.7%), resolution 1.3% Debt collection 88.7% Credit reporting: 38 complaints (6.2%), resolution 0.0% Credit reporting 6.2% Credit reporting,: 24 complaints (3.9%), resolution 0.0% Checking or: 3 complaints (0.5%), resolution 0.0% Vehicle loan: 3 complaints (0.5%), resolution 0.0% Debt or: 1 complaints (0.2%), resolution 0.0% Credit card: 1 complaints (0.2%), resolution 0.0%
  • Debt collection 547 88.7% – 1% relief
  • Credit reporting 38 6.2% – 0% relief
  • Credit reporting, 24 3.9% – 0% relief
  • Checking or 3 0.5% – 0% relief
  • Vehicle loan 3 0.5% – 0% relief
  • Debt or 1 0.2% – 0% relief
  • Credit card 1 0.2% – 0% relief

How Associated Credit Services, Inc.'s 621 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 547
Credit reporting or other personal consumer reports 38
Credit reporting, credit repair services, or other personal consumer reports 24
Checking or savings account 3
Vehicle loan or lease 3
Debt or credit management 1
Credit card 1
Bank account or service 1
Credit reporting 1
Student loan 1
Credit card or prepaid card 1

Nationwide filing states for Associated Credit Services, Inc.

Top states by attributed CFPB complaint volume for this company

Nationwide footprint
Leading state
NY
19.3% of this company's filings
NY120MA76TX56CA47GA46FL38PA35OH22

Associated Credit Services, Inc. rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
71
+2266.7% vs 2013
050100150 20132015201720192021202320252026 71

Top States

State Complaints
NY 120
MA 76
TX 56
CA 47
GA 46
FL 38
PA 35
OH 22
MD 21
NJ 18
IL 16
NC 15
AZ 13
CT 11
VA 10
SC 8
TN 7
RI 5
NH 5
MI 4

Top Issues

Issue Complaints
Attempts to collect debt not owed 264
Written notification about debt 104
False statements or representation 47
Communication tactics 46
Incorrect information on your report 37
Took or threatened to take negative or legal action 37
Cont'd attempts collect debt not owed 19
Electronic communications 12
Disclosure verification of debt 10
Improper use of your report 8
Problem with a company's investigation into an existing problem 8
Problem with a credit reporting company's investigation into an existing problem 7
Threatened to contact someone or share information improperly 7
Managing an account 1
Getting a loan or lease 1
Identity theft protection or other monitoring services 1
Confusing or missing disclosures 1
Closing an account 1
Problem with fraud alerts or security freezes 1
Getting a credit card 1

Yearly Trend

Year Complaints Timely
2013 3 100%
2014 8 100%
2015 20 90%
2016 11 100%
2017 20 100%
2018 37 100%
2019 47 97.9%
2020 58 100%
2021 22 100%
2022 33 100%
2023 64 98.4%
2024 87 100%
2025 140 96.4%
2026 71 100%

Source: CFPB Consumer Complaint Database

Associated Credit Services, Inc. filings cluster in one product

Associated Credit Services, Inc.'s 621 logged complaints reach a nationwide footprint - 41 states have at least one filing. 40.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-25.

Associated Credit Services, Inc. answers 98.6% of complaints inside the CFPB's tracked window and closes 98.2% with a written explanation. 1.1% 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 Associated Credit Services, Inc..

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Associated Credit Services, Inc.: 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: 621.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 98.6%.

4 peers

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 Associated Credit Services, Inc. (98.6% timely; 1.1% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration