# Action Collection Agencies, Inc.: 28 CFPB complaints

Updated November 10, 2026.

Action Collection Agencies, Inc. drew 28 consumer complaints in the CFPB database in the three years to November 9, 2026, and 95 since 2013. The largest group, 28, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 14. The company responded on time to 57.1% of the complaints, and 0.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 28
- Complaints, all years: 95
- Responded on time: 57.1%
- Closed with relief: 0.0%
- Products: 1
- Latest received: Aug 31, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 14 |
| 2025 | 10 |
| 2024 | 4 |
| 2023 | 4 |
| 2022 | 9 |
| 2021 | 10 |
| 2020 | 12 |
| 2018 | 8 |
| 2017 | 5 |
| 2016 | 6 |
| 2015 | 6 |
| 2014 | 4 |
| 2013 | 3 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 28 | 100% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Attempts to collect debt not owed | 14 | 50% |
| Communication tactics | 8 | 28.6% |
| Written notification about debt | 6 | 21.4% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 28 | 100% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Massachusetts](https://specstream.ai/data/consumer-complaints/state/massachusetts) | 13 | 46.4% |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 4 | 14.3% |
| [Rhode Island](https://specstream.ai/data/consumer-complaints/state/rhode-island) | 2 | 7.1% |
| [Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee) | 2 | 7.1% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 1 | 3.6% |
| [Connecticut](https://specstream.ai/data/consumer-complaints/state/connecticut) | 1 | 3.6% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 1 | 3.6% |
| [Maryland](https://specstream.ai/data/consumer-complaints/state/maryland) | 1 | 3.6% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 1 | 3.6% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 1 | 3.6% |
| [Vermont](https://specstream.ai/data/consumer-complaints/state/vermont) | 1 | 3.6% |

## Latest 28 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| August 31, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/26155549) |
| July 5, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23884342) |
| June 24, 2026 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23541413) |
| June 24, 2026 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23538088) |
| May 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21814327) |
| April 20, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21418175) |
| March 31, 2026 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20820516) |
| March 30, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20778169) |
| March 18, 2026 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20388169) |
| March 7, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20065120) |
| March 4, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19962361) |
| February 13, 2026 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19484239) |
| February 12, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19451750) |
| January 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19040028) |
| November 20, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17391778) |
| November 3, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16993214) |
| October 27, 2025 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16846276) |
| August 15, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15313780) |
| July 2, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14430118) |
| June 4, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13882500) |
| May 7, 2025 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13390651) |
| April 24, 2025 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13153370) |
| March 26, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12662407) |
| February 21, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12165976) |
| December 18, 2024 | Debt collection | Communication tactics | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11203265) |
| April 3, 2024 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8691326) |
| March 26, 2024 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8633808) |
| February 3, 2024 | Debt collection | Written notification about debt | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8278105) |

## Also on SpecStream

- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Massachusetts](https://specstream.ai/data/consumer-complaints/state/massachusetts)
- [Consumer complaints in New York](https://specstream.ai/data/consumer-complaints/state/new-york)
- [Consumer complaints in Tennessee](https://specstream.ai/data/consumer-complaints/state/tennessee)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).