Total CFPB complaints
43
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 43 complaints
Affiliated Acceptance Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Affiliated Acceptance Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 64.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Affiliated Acceptance Corporation?
Affiliated Acceptance Corporation has accumulated 43 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 43 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 98% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Texas with 8 and California with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.4/100 places Affiliated Acceptance Corporation in grade band C, 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
15
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
64.4/100 composite
Response-quality profile
How Affiliated Acceptance Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Affiliated Acceptance Corporation compare to its peers?
Affiliated 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)
2016-03 2021-03
Top Consumer Issues
Attempts to collect debt not owed13 (%)
Cont'd attempts collect debt not owed13 (%)
Took or threatened to take negative or legal action5 (%)
False statements or representation3 (%)
Communication tactics4 (%)
Disclosure verification of debt1 (%)
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 | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Affiliated Acceptance Corporation come from?
The states where consumers have filed the most CFPB complaints against Affiliated Acceptance Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Affiliated Acceptance Corporation
Across 15 states with at least one filing
- Texas
Texas
8 complaints
- California
California
6 complaints
- Ohio
Ohio
5 complaints
- Georgia
Georgia
4 complaints
- Florida 3
Florida
3 complaints
- Virginia 3
Virginia
3 complaints
- Tennessee 3
Tennessee
3 complaints
- Alabama 2
Alabama
2 complaints
Frequently Asked Questions
What is the most common complaint against Affiliated Acceptance Corporation? ▼
The most common issue consumers report about Affiliated Acceptance Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 43 complaints filed with the CFPB.
Are complaints against Affiliated Acceptance Corporation increasing or decreasing? ▼
Complaints against Affiliated Acceptance Corporation have been stable. The company received 0 complaints in the last 12 months.
What is Affiliated Acceptance Corporation's reputation grade? ▼
Affiliated Acceptance Corporation has a reputation grade of C (score: 64.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Affiliated Acceptance Corporation respond to consumer complaints? ▼
Affiliated Acceptance Corporation has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Affiliated Acceptance Corporation operate? ▼
Affiliated Acceptance Corporation has received CFPB complaints from consumers in 15 states, with the most complaints from Texas (8 complaints).
What can I do if Affiliated Acceptance Corporation 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 Affiliated Acceptance Corporation 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 |