Total CFPB complaints
359
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 359 complaints
American Collections Enterprise, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Collections Enterprise, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
118 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
57 complaints
- Written notification about debt
Written notification about debt
53 complaints
- False statements or representation 31
False statements or representation
31 complaints
- Disclosure verification of debt 21
Disclosure verification of debt
21 complaints
- Communication tactics 14
Communication tactics
14 complaints
D
Grade D · 55.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about American Collections Enterprise, Inc.?
American Collections Enterprise, Inc. has accumulated 359 total CFPB complaints across 26 states, with 21 filed in the most recent 12 months against 338 historical complaints before that window. The trailing-12-month volume represents 5.8% 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 99% timely-response rate against a 27% 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 26 states, led by Maryland with 182 and Virginia with 79, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.3/100 places American Collections Enterprise, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
21
5.8% of total history
Falling ↓
States active
26
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
D
55.3/100 composite
Response-quality profile
How American Collections Enterprise, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 54.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does American Collections Enterprise, Inc. compare to its peers?
American Collections E… 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)
2023-08 2026-03
Top Consumer Issues
Attempts to collect debt not owed118 (%)
Written notification about debt53 (%)
Cont'd attempts collect debt not owed57 (%)
False statements or representation31 (%)
Disclosure verification of debt21 (%)
Communication tactics14 (%)
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 | 57 |
| Attempts to collect debt not owed | Debt was paid | 43 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| Cont'd attempts collect debt not owed | Debt is not mine | 32 |
| False statements or representation | Attempted to collect wrong amount | 31 |
| Cont'd attempts collect debt not owed | Debt was paid | 25 |
| Disclosure verification of debt | Not given enough info to verify debt | 21 |
| Attempts to collect debt not owed | Debt was result of identity theft | 18 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Communication tactics | Used obscene, profane, or other abusive language | 14 |
Where do complaints against American Collections Enterprise, Inc. come from?
The states where consumers have filed the most CFPB complaints against American Collections Enterprise, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Collections Enterprise, Inc.
Across 26 states with at least one filing
- Maryland
Maryland
182 complaints
- Virginia
Virginia
79 complaints
- Delaware 14
Delaware
14 complaints
- District of Columbia 14
District of Columbia
14 complaints
- New York 11
New York
11 complaints
- Florida 7
Florida
7 complaints
- Pennsylvania 6
Pennsylvania
6 complaints
- Texas 5
Texas
5 complaints
Frequently Asked Questions
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 21 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: 55.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if American Collections Enterprise, 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 Collections Enterprise, 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 |