Total CFPB complaints
269
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 269 complaints
American Accounts & Advisers, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Accounts & Advisers, Inc.
- Written notification about debt
Written notification about debt
128 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
64 complaints
- False statements or representation 18
False statements or representation
18 complaints
- Cont'd attempts collect debt not owed 12
Cont'd attempts collect debt not owed
12 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
- Communication tactics 6
Communication tactics
6 complaints
D
Grade D · 54.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about American Accounts & Advisers, Inc.?
American Accounts & Advisers, Inc. has accumulated 269 total CFPB complaints across 26 states, with 23 filed in the most recent 12 months against 246 historical complaints before that window. The trailing-12-month volume represents 8.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive notice of right to dispute", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 34% 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 26 states, led by Minnesota with 199 and Wisconsin with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places American Accounts & Advisers, 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
23
8.6% of total history
Rising ↑
States active
26
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
34%
After company response
Reputation grade
D
54.1/100 composite
Response-quality profile
How American Accounts & Advisers, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 68.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does American Accounts & Advisers, Inc. compare to its peers?
American Accounts & Ad… 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)
2023-07 2026-02
Top Consumer Issues
Written notification about debt128 (%)
Attempts to collect debt not owed64 (%)
False statements or representation18 (%)
Cont'd attempts collect debt not owed12 (%)
Took or threatened to take negative or legal action7 (%)
Communication tactics6 (%)
Disclosure verification of debt5 (%)
Most common issue: Written notification about debt — Didn't receive notice of right to dispute
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 |
|---|---|---|
| Written notification about debt | Didn't receive notice of right to dispute | 82 |
| Attempts to collect debt not owed | Debt is not yours | 47 |
| Written notification about debt | Didn't receive enough information to verify debt | 46 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
Where do complaints against American Accounts & Advisers, Inc. come from?
The states where consumers have filed the most CFPB complaints against American Accounts & Advisers, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Accounts & Advisers, Inc.
Across 26 states with at least one filing
- Minnesota
Minnesota
199 complaints
- Wisconsin 9
Wisconsin
9 complaints
- Georgia 7
Georgia
7 complaints
- Iowa 6
Iowa
6 complaints
- Texas 5
Texas
5 complaints
- Indiana 4
Indiana
4 complaints
- South Carolina 4
South Carolina
4 complaints
- Florida 4
Florida
4 complaints
Frequently Asked Questions
What is the most common complaint against American Accounts & Advisers, Inc.? ▼
The most common issue consumers report about American Accounts & Advisers, Inc. is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 269 complaints filed with the CFPB.
Are complaints against American Accounts & Advisers, Inc. increasing or decreasing? ▼
Complaints against American Accounts & Advisers, Inc. are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is American Accounts & Advisers, Inc.'s reputation grade? ▼
American Accounts & Advisers, Inc. has a reputation grade of D (score: 54.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does American Accounts & Advisers, Inc. respond to consumer complaints? ▼
American Accounts & Advisers, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 34% of cases.
In how many states does American Accounts & Advisers, Inc. operate? ▼
American Accounts & Advisers, Inc. has received CFPB complaints from consumers in 26 states, with the most complaints from Minnesota (199 complaints).
What can I do if American Accounts & Advisers, 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 American Accounts & Advisers, 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 |