Associated Credit Services, Inc.
621 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Associated Credit Services, Inc. complaint mix by product
- 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Associated Credit Services, Inc.
Associated Credit Services, Inc.'s 621 logged complaints reach a nationwide footprint - 41 states have at least one filing on record. 40.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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.
Frequently Asked Questions
How many CFPB complaints does Associated Credit Services, Inc. have?
621, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Associated Credit Services, Inc. respond to complaints on time?
98.6% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Associated Credit Services, Inc.?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.