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Data / Consumer complaints / Associated Credit Services, Inc.

Associated Credit Services, Inc.: 379 CFPB consumer complaints in the last 3 years

Associated Credit Services, Inc. drew 379 consumer complaints in the CFPB database in the three years to November 6, 2026, and 694 since 2013. The largest group, 324, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 172. The company responded on time to 98.4% 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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  • 379Complaints, last 3 years
  • 694Complaints, all years
  • 98.4%Responded on time
  • 0.0%Closed with relief
  • 7Products
  • Oct 22, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 6144
2025140
202487
202364
202233
202122
202058
201947
201837
201720
201611
201520
20148
20133

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 collection32485.5%
Credit reporting or other personal consumer reports5013.2%
Checking or savings account10.3%
Credit card10.3%
Debt or credit management10.3%
Money transfer, virtual currency, or money service10.3%
Vehicle loan or lease10.3%

Issues

IssueComplaintsShare
Attempts to collect debt not owed17245.4%
Written notification about debt5614.8%
False statements or representation3810%
Incorrect information on your report297.7%
Took or threatened to take negative or legal action225.8%
Communication tactics184.7%
Electronic communications133.4%
Problem with a company's investigation into an existing problem123.2%
Improper use of your report71.8%
Threatened to contact someone or share information improperly51.3%
Closing an account10.3%
Confusing or missing disclosures10.3%
Credit monitoring or identity theft protection services10.3%
Fraud or scam10.3%
Getting a credit card10.3%
Identity theft protection or other monitoring services10.3%
Problem with fraud alerts or security freezes10.3%

How the company responded

Company responseComplaintsShare
Closed with explanation379100%

States

StateComplaintsShare
New York7219%
Texas5113.5%
Massachusetts4411.6%
California4311.3%
Georgia307.9%
Florida225.8%
Illinois174.5%
Pennsylvania143.7%
New Jersey112.9%
Maryland102.6%
Connecticut71.8%
Arizona61.6%
North Carolina51.3%
South Carolina51.3%
Alabama41.1%
Ohio41.1%
Rhode Island41.1%
Delaware30.8%
Michigan30.8%
Missouri30.8%
Wisconsin30.8%
Arkansas20.5%
Indiana20.5%
Mississippi20.5%
New Hampshire20.5%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 24, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 17, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 12, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 31, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 25, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 15, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 28, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 22, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 16, 2026Debt collectionAttempts to collect debt not owedClosed 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.