Total CFPB complaints
9
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 9 complaints
A-1 Premium Acceptance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about A-1 Premium Acceptance, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Communication tactics
Communication tactics
4 complaints
D
Grade D · 58.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about A-1 Premium Acceptance, Inc.?
A-1 Premium Acceptance, Inc. has accumulated 9 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Kansas with 3 and Missouri with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.7/100 places A-1 Premium Acceptance, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
5
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Reputation grade
D
58.7/100 composite
Response-quality profile
How A-1 Premium Acceptance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does A-1 Premium Acceptance, Inc. compare to its peers?
A-1 Premium Acceptance… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-02 2023-07
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Communication tactics4 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against A-1 Premium Acceptance, Inc. come from?
The states where consumers have filed the most CFPB complaints against A-1 Premium Acceptance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against A-1 Premium Acceptance, Inc.
Across 5 states with at least one filing
- Kansas
Kansas
3 complaints
- Missouri
Missouri
3 complaints
- Delaware 1
Delaware
1 complaints
- New Mexico 1
New Mexico
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
What is the most common complaint against A-1 Premium Acceptance, Inc.? ▼
The most common issue consumers report about A-1 Premium Acceptance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 9 complaints filed with the CFPB.
Are complaints against A-1 Premium Acceptance, Inc. increasing or decreasing? ▼
Complaints against A-1 Premium Acceptance, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is A-1 Premium Acceptance, Inc.'s reputation grade? ▼
A-1 Premium Acceptance, Inc. has a reputation grade of D (score: 58.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does A-1 Premium Acceptance, Inc. respond to consumer complaints? ▼
A-1 Premium Acceptance, Inc. has a 78% timely response rate to CFPB complaints.
In how many states does A-1 Premium Acceptance, Inc. operate? ▼
A-1 Premium Acceptance, Inc. has received CFPB complaints from consumers in 5 states, with the most complaints from Kansas (3 complaints).
What can I do if A-1 Premium Acceptance, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If A-1 Premium Acceptance, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |