What is the most common complaint against American Credit Acceptance, LLC?

The most common issue consumers report about American Credit Acceptance, LLC is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 561 complaints filed with the CFPB.

Are complaints against American Credit Acceptance, LLC increasing or decreasing?

Complaints against American Credit Acceptance, LLC are rising. The company received 259 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is American Credit Acceptance, LLC's reputation grade?

American Credit Acceptance, LLC has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Acceptance, LLC respond to consumer complaints?

American Credit Acceptance, LLC has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does American Credit Acceptance, LLC operate?

American Credit Acceptance, LLC has received CFPB complaints from consumers in 37 states, with the most complaints from Texas (105 complaints).

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

American Credit Acceptance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

195
Took or threatened to take negative or legal action

153
Written notification about debt

90
False statements or representation

82
Communication tactics

19
Cont'd attempts collect debt not owed

11

Data updated September 2026

CFPB complaint disposition

CCDB record american-credit-acceptance-llc American Credit Acceptance, LLC

Grade D · 561 CFPB filings · 88% timely · lead issue: Attempts to collect debt not owed · vol #246 · compose #3706

VOL 561
GRADE D
12MO 259
STATES 37
TIMELY 88%
DISPUTE 9%
ISSUE Attempts to collect debt n…
RANK #246
COMPOSE #3,706

Volume peers

Nearest volume peer: RS Clark and Associates, Inc. (560 complaints)

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

American Credit Acceptance, LLC's 561 CFPB complaints sit next to RS Clark and Associates, Inc. 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 →

Filing geometry

Texas is the plurality state for American Credit Acceptance, LLC (18.7%)

Volume rank #246 and composite rank #3,706 diverge by 3,460 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 18.7%; Mid-band (15–30%) · 37 states with ≥1 filing
Seasonal peak: 2017-12 12.8%; 8–15% band · 6 filings
Divergent corpus ranks: #246 volume; #3,706 composite; Cleanest-composite ladder is 3,460 places worse than volume

How does American Credit Acceptance, LLC compare to its peers?

How does American Credit Acceptance, LLC 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 Credit Accept… National average

Complaints (last 12 mo)lower is better

259

136

268

Timely-response ratehigher is better

88%

85%

91%

Consumer-dispute ratelower is better

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-03 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	195
Took or threatened to take negative or legal action	153
Written notification about debt	90
False statements or representation	82
Communication tactics	19
Cont'd attempts collect debt not owed	11
Threatened to contact someone or share information improperly	6
Disclosure verification of debt	3
Electronic communications	2

Where do complaints against American Credit Acceptance, LLC come from?

American Credit Acceptance, LLC's own per-state count, not a national baseline.

Texas

105
Florida

72
Georgia

64
California

56
North Carolina

35
Illinois

29
South Carolina

18
Nevada

15

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Credit Acceptance, LLC: 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: 561.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 87.92372881355932%.

4 peers

Know your rights before responding to American Credit Acceptance, LLC: 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.