Debt collector · complaint record
Associated Credit Services complaints
Filed under Associated Credit Services, Inc.
Consumers have filed 699 complaints about Associated Credit Services since 2013, 166 of them in the last 12 months (+25% on the year before). It answered 99.4% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 699
- Last 12 months
- 166
- Answered on time
- 99.4%
- Closed with relief
- 0%
- Last 30 days
- 9
- Rank
- #144 of 1,963
Since July 2013
+25% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 31, 2026
Most complained-about debt collectors
Associated Credit Services complaints by month
The busiest month was July 2026 (23 complaints). Complaints in the last 12 months are up 25% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Associated Credit Services answered last 12 months
- Closed with explanation16599.4%
- Untimely response10.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time42/4599.4% on time
- Relief for customers0/400% closed with relief
- Complaint trend8/15+25% vs last year
What Associated Credit Services complaints are about
Top Associated Credit Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 186
- Debt was result of identity theft 68
- Debt was paid 34
- Debt was already discharged in bankruptcy and is no longer owed 5
Where Associated Credit Services complaints come from
Most complaints: New York (127), Massachusetts (84), Texas (72), California (62), Georgia (51).
Associated Credit Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Service InternationalDebt collection | 52 | 169 | C |
| 2 | The Phoenix Recovery GroupDebt collection | 7 | 168 | F |
| 3 | GF SunStrong ManagementDebt collection | 44 | 168 | D |
| 4 | Crown Asset Management, LLC, Duluth, GA BranchDebt collection | 55 | 166 | C |
| 5 | Associated Credit ServicesDebt collection | 50 | 166 | C |
| 6 | Client ServicesDebt collection | 56 | 164 | C |
| 7 | Helvey & Associates, Inc., Warsaw, IN BranchDebt collection | 60 | 163 | C |
| 8 | Credit CentralDebt collection | 49 | 160 | D |
Compare side by side: Associated Credit Services vs Credit Service International · Associated Credit Services vs The Phoenix Recovery Group · Associated Credit Services vs GF SunStrong Management · Associated Credit Services vs Crown Asset Management, LLC, Duluth, GA Branch
What people say about Associated Credit Services
All experiencesNo experiences with Associated Credit Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Associated Credit Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 31, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 27, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 20, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 17, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 13, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
Questions about Associated Credit Services
How many complaints does Associated Credit Services have?
Associated Credit Services has 699 complaints on record since July 2013, including 166 in the last 12 months and 9 in the last 30 days. That makes it number 362 of every company by complaints this year.
Does Associated Credit Services respond to complaints?
Yes. Associated Credit Services answered 99.4% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 50/100 (grade C).
What do people complain about most with Associated Credit Services?
The most common problems are attempts to collect debt not owed (293), written notification about debt (115), false statements or representation (59).
Is Associated Credit Services legit?
Associated Credit Services is a real company with a public complaint record: consumers have complained about it 699 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Associated Credit Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Associated Credit Services going up or down?
Up. There were 166 complaints in the last 12 months against 133 in the 12 before (+25%). See every month.
How do I file a complaint against Associated Credit Services?
Complain to Associated Credit Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Associated Credit Services complaints come from?
Most come from New York (127), Massachusetts (84), Texas (72). Big states file more complaints, so the map shows complaints per 100,000 people.
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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