The Law Office of Paul Mankin

Is the debt collection agency Action Financial Services, LLC harassing you?

Action Financial Services, LLC is a multi-state collections practice that is known as ‘AFCS, LLC’ in Connecticut, Delaware, Iowa, Michigan, Texas, and Washington. The debt collector was founded on December 1, 2009 by owner and manager, Rebecca Dillon, and has approximately ten employees. Action Financial Services is contracted by the U.S. Department of Education to collect on outstanding student loan debt. AFS is licensed to collect throughout all 50 states and extensively works recouping money for the US Department of Education (ED) (City of New York License #1417973-DCA, City of Buffalo License #CAG12-10021605).

Business Address:

2055 Cardinal Avenue

Medford, OR 97504

Mailing Address:

Department of Education Division

Action Financial Services, LLC

P.O. Box 3250

Central Point, OR 97502


Email: [email protected]

(888) 253-4239 (toll free)

(844) 965-9229 (fax)

Action Financial Services LLC has an A+ rating from the Better Business Bureau (BBB) and has been BBB-accredited since January 24, 2014 (BBB file originally opened January 10, 2012). Action has received 35 BBB complaints in the last three years and currently has 67 CFPB complaints on public file.

Action Financial Services, LLC does a lot of business around the country and has been embroiled in its share of litigation. In one notable case, Action was sued in California for collections actions taken in 2012, alleging using false, deceptive, and misleading means to collect a debt; using unfair and unconscionable means to collect a debt; using abusive and oppressive means to collect a debt; using profane and obscene language; threatening legal actions it had no intention of taking.  These are all violations of the Fair Debt Collection Practices Act and California Fair Debt Collection Practices Act.

Consumer complaints against Action Financial Services, LLC generally include: calling from false numbers; claiming to have contacted debtors without evidence of actually making calls or sending letters; garnishment of social security, disability, and/or wages based on old, paid, or otherwise outdated accounts; being unable or unwilling to work with debtors to arrange payment; poorly handling debt payments.

Action Financial Service’s collection practices, as reported by consumers, may very well be unlawful under the Fair Debt Collection Practices Act and California Fair Debt Collection Practices Act. Complaints regarding Oregon-based collectors can made by submitting a Consumer Complaint Form or by calling 1-877-877-9392. To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see FTC Debt Collection pamphlet. Complaints regarding a collector in any state may be filed with the Federal Trade Commission at or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints 24 hours per day.

If you believe you have a claim for collector harassment or are a victim of another violation of state or federal debtor’s rights, you should speak with a consumer rights attorney or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.