What is the most common complaint against American Collections Enterprise, Inc.?

The most common issue consumers report about American Collections Enterprise, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 359 complaints filed with the CFPB.

Are complaints against American Collections Enterprise, Inc. increasing or decreasing?

Complaints against American Collections Enterprise, Inc. are falling. The company received 5 complaints in the last 12 months, showing improvement over prior periods.

What is American Collections Enterprise, Inc.'s reputation grade?

American Collections Enterprise, Inc. has a reputation grade of D (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Collections Enterprise, Inc. respond to consumer complaints?

American Collections Enterprise, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does American Collections Enterprise, Inc. operate?

American Collections Enterprise, Inc. has received CFPB complaints from consumers in 26 states, with the most complaints from Maryland (182 complaints).

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

American Collections Enterprise, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

122
Cont'd attempts collect debt not owed

61
Written notification about debt

54
Communication tactics

42
False statements or representation

32
Disclosure verification of debt

28

Data updated September 2026

CFPB complaint disposition

CCDB record american-collections-enterprise-inc American Collections Enterprise, Inc.

Grade D · 359 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #345 · compose #3865

VOL 359
GRADE D
12MO 5
STATES 26
TIMELY 99%
DISPUTE 27%
ISSUE Attempts to collect debt n…
RANK #345
COMPOSE #3,865

Volume peers

Nearest volume peer: Rubin & Rothman, LLC (358 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American Collections Enterprise, Inc.'s 359 CFPB complaints sit next to Rubin & Rothman, LLC 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

50.7% of American Collections Enterprise, Inc.'s CFPB filings land in Maryland

High volume does not equal a clean composite: American Collections Enterprise, Inc. is volume #345 but composite #3,865, while Maryland dominates the geography. Corpus placement method.

Dominant state: Maryland 50.7%; 182 of 359 filings · 26 states touched
Seasonal peak: 2019-10 9.1%; 8–15% band · 3 filings
Divergent corpus ranks: #345 volume; #3,865 composite; Cleanest-composite ladder is 3,520 places worse than volume

How does American Collections Enterprise, Inc. compare to its peers?

How does American Collections Enterprise, 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 Collections E… National average

Complaints (last 12 mo)lower is better

106

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

27%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-08 2023-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	122
Cont'd attempts collect debt not owed	61
Written notification about debt	54
Communication tactics	42
False statements or representation	32
Disclosure verification of debt	28
Took or threatened to take negative or legal action	10
Threatened to contact someone or share information improperly	5
Improper contact or sharing of info	3
Taking/threatening an illegal action	2

Where do complaints against American Collections Enterprise, Inc. come from?

American Collections Enterprise, Inc.'s own per-state count, not a national baseline.

Maryland

182
Virginia

79
Delaware

14
District of Columbia

14
New York

11
Florida

7
Pennsylvania

6
Texas

5

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Collections Enterprise, 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: 359.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.88579387186628%.

4 peers

Know your rights before responding to American Collections Enterprise, 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.