This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 91 complaints

American Capital Enterprises, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Complaints by issue type

What consumers report about American Capital Enterprises, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record american-capital-enterprises-inc American Capital Enterprises, Inc.

Grade C · 91 CFPB filings · 91% timely · lead issue: Attempts to collect debt not owed

  • VOL 91
  • GRADE C
  • 12MO 0
  • STATES 7
  • TIMELY 91%
  • DISPUTE 14%
  • ISSUE Attempts to collect debt n…
  • RANK #851
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: American Collection Services, Inc. (OK, TX) (91 complaints)

American Collection Services, Inc. (OK, TX)American Collection Services…91AR Resources, Inc. (FL)AR Resources, Inc. (FL)91Healthcare Receivables Group, Inc.Healthcare Receivables Group…91Modern Adjustment BureauModern Adjustment Bureau91American Capital Enterprises, Inc. (this)American Capital Enterprises…91
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American Capital Enterprises, Inc.'s 91 CFPB complaints sit next to American Collection Services, Inc. (OK, TX) on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 91 complaints break down

Every complaint issue type on record for American Capital Enterprises, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.2/100
American Capital Enterprises, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
91
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
14%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

91.2% of American Capital Enterprises, Inc.'s CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 91.2%
83 of 91 filings · 7 states touched
Seasonal peak
2019-01 9.7%
8–15% band · 3 filings
Corpus ranks
#851 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does American Capital Enterprises, Inc. compare to its peers?

How does American Capital Enterprises, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
American Capital Enterprises, Inc. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
91%
100%
91%
Consumer-dispute ratelower is better
14%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy American Capital Enterprises, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40%50%60% Timely response rate (%) Dispute rate (%) American Capital Enterprises, Inc. vs. 10 similar-volume peers, by response speed and dispute rate American Capital Enterprises, Inc.AR Resources, Inc. (FL)American Collection Services, Inc. (OK, TX)Healthcare Receivables Group, Inc.Modern Adjustment BureauNationwide Debt Management Solutions, LLCSTATE FARM BANK, FSBThe Leviton Law Firm, Ltd.Tulsa Adjustment BureauBenuck & Rainey, Inc.Centron Services
Source: CFPB Consumer Complaint Database

American Capital Enterprises, Inc.'s complaint volume in context

American Capital Enterprises, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

91 Top 16% higher than 84% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. American Capital Enterprises, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-06 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
31
Written notification about debt
19
Cont'd attempts collect debt not owed
16
Disclosure verification of debt
8
Communication tactics
6
Took or threatened to take negative or legal action
5
False statements or representation
2
Improper contact or sharing of info
2
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against American Capital Enterprises, Inc. come from?

American Capital Enterprises, Inc.'s own per-state count, not a national baseline.

Top states by complaints against American Capital Enterprises, Inc.

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Capital Enterprises, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 91.

4 peers

Know your rights before responding to American Capital Enterprises, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.