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Data / Consumer complaints / Action Collection Service

Action Collection Service: 41 CFPB consumer complaints in the last 3 years

Action Collection Service drew 41 consumer complaints in the CFPB database in the three years to November 6, 2026, and 118 since 2013. The largest group, 35, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 13. The company responded on time to 73.2% of the complaints, and 0.0% closed with monetary or other relief.

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.

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  • 41Complaints, last 3 years
  • 118Complaints, all years
  • 73.2%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Aug 21, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 620
202512
20248
20239
202210
20217
20206
20195
20185
20175
20166
201511
20149
20135

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.

ProductComplaintsShare
Debt collection3585.4%
Credit reporting or other personal consumer reports37.3%
Debt or credit management24.9%
Checking or savings account12.4%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1331.7%
False statements or representation922%
Communication tactics512.2%
Written notification about debt512.2%
Took or threatened to take negative or legal action24.9%
Closing an account12.4%
Credit monitoring or identity theft protection services12.4%
Didn't provide services promised12.4%
Incorrect information on your report12.4%
Problem with a company's investigation into an existing problem12.4%
Threatened to contact someone or share information improperly12.4%
Unauthorized withdrawals or charges12.4%

How the company responded

Company responseComplaintsShare
Closed with explanation41100%

States

StateComplaintsShare
Idaho2458.5%
Texas49.8%
Northern Mariana Islands37.3%
Montana24.9%
Alaska12.4%
Alabama12.4%
California12.4%
Indiana12.4%
Michigan12.4%
New Mexico12.4%
Virginia12.4%
Washington12.4%

Latest 41 complaints

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

ReceivedProductIssueCompany responseSource
August 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 27, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
June 29, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 11, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
April 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 13, 2026Debt or credit managementUnauthorized withdrawals or chargesClosed with explanationconsumerfinance.gov
April 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 25, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 20, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
January 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 4, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 22, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 21, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 3, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 19, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 25, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 12, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 8, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 15, 2025Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
March 20, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 16, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 8, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 11, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
November 2, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 21, 2024Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 24, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 10, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 26, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 25, 2024Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 24, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 9, 2023Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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. Spot a wrong value? Write to [email protected] with the link to this page.