What is the most common complaint against American Capital Enterprises, Inc.?

The most common issue consumers report about American Capital Enterprises, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 91 complaints filed with the CFPB.

Are complaints against American Capital Enterprises, Inc. increasing or decreasing?

Complaints against American Capital Enterprises, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is American Capital Enterprises, Inc.'s reputation grade?

American Capital Enterprises, Inc. has a reputation grade of C (score: 56.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Capital Enterprises, Inc. respond to consumer complaints?

American Capital Enterprises, Inc. has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does American Capital Enterprises, Inc. operate?

American Capital Enterprises, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from California (83 complaints).

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

American Capital Enterprises, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade C.

Compiled by PlainCollector

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

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 #851 · compose #3115

VOL 91
GRADE C
12MO 0
STATES 7
TIMELY 91%
DISPUTE 14%
ISSUE Attempts to collect debt n…
RANK #851
COMPOSE #3,115

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: American Capital Enterprises, Inc. is volume #851 but composite #3,115, while California dominates the geography. 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
Divergent corpus ranks: #851 volume; #3,115 composite; Cleanest-composite ladder is 2,264 places worse than volume

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 Enter… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

83
Texas

2
Arkansas

1
Georgia

1
Hawaii

1
Missouri

1
Ohio

1

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.