Debt collection
Action Credit debt collection complaints
Consumers have filed 9 complaints about Action Credit's debt collection, 5 in the last 12 months. Action Credit answered 100% on time and closed 0% with relief. See the whole Action Credit record.
Action Credit against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Action Credit | 5 | 100% | 0% |
Latest Action Credit debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Feb 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 28, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 17, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| May 21, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 11, 2018 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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