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

CFPB complaint data Grade D 359 complaints

American Collections Enterprise, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Complaints by issue type

What consumers report about American Collections Enterprise, Inc.

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

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 #319

  • VOL 359
  • GRADE D
  • 12MO 5
  • STATES 26
  • TIMELY 99%
  • DISPUTE 27%
  • ISSUE Attempts to collect debt n…
  • RANK #345
  • COMPOSE #319

Volume peers

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

Concord Servicing CorporationConcord Servicing Corporation357Rubin & Rothman, LLCRubin & Rothman, LLC358Sezzle Inc.Sezzle Inc.358American Collections Enterprise, Inc. (this)American Collections Enterpr…359A.R.M. Solutions, Inc.A.R.M. Solutions, Inc.361
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 →

How the 359 complaints break down

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

Reputation score breakdown

D
Composite reputation score
52.0/100
American Collections Enterprise, 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
359
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
27%
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

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#345 volume
#319 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Enterprise, Inc. National average
Complaints (last 12 mo)lower is better
5
106
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
27%
17%
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 Collections Enterprise, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) American Collections Enterprise, Inc. vs. 9 similar-volume peers, by response speed and dispute rate American Collections Enterprise, Inc.Rubin & Rothman, LLCA.R.M. Solutions, Inc.Concord Servicing CorporationViking Client ServicesRFNA, LPLTD Financial Services, L.P.Medical Business BureauMerchants Adjustment Service, Inc.Patenaude & Felix A Professional Corporation
Source: CFPB Consumer Complaint Database

American Collections Enterprise, Inc.'s complaint volume in context

American Collections Enterprise, 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)

359 Top 6% higher than 94% 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%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. American Collections Enterprise, 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 ↓
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.

Top states by complaints against American Collections Enterprise, Inc.

Across 26 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 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.