Total CFPB complaints
91
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 91 complaints
American Capital Enterprises, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Capital Enterprises, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
31 complaints
- Written notification about debt
Written notification about debt
19 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
14 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- Communication tactics 2
Communication tactics
2 complaints
C
Grade C · 59.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Capital Enterprises, Inc.?
American Capital Enterprises, Inc. has accumulated 91 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 91 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 91% timely-response rate against a 14% 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 7 states, led by California with 83 and Texas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.7/100 places American Capital Enterprises, Inc. 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
Falling ↓
States active
7
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
59.7/100 composite
Response-quality profile
How American Capital Enterprises, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 27.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does American Capital Enterprises, Inc. compare to its peers?
American Capital Enter… 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)
2020-02 2024-07
Top Consumer Issues
Attempts to collect debt not owed31 (%)
Written notification about debt19 (%)
Cont'd attempts collect debt not owed14 (%)
Disclosure verification of debt8 (%)
Took or threatened to take negative or legal action5 (%)
Communication tactics2 (%)
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 | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 13 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 6 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
Where do complaints against American Capital Enterprises, Inc. come from?
The states where consumers have filed the most CFPB complaints against American Capital Enterprises, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Capital Enterprises, Inc.
Across 7 states with at least one filing
- California
California
83 complaints
- Texas 2
Texas
2 complaints
- Georgia 1
Georgia
1 complaints
- Hawaii 1
Hawaii
1 complaints
- Arkansas 1
Arkansas
1 complaints
- Missouri 1
Missouri
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
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: 59.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if American Capital Enterprises, 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 Capital Enterprises, 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 |