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

CFPB complaint data Grade D 561 complaints

American Credit Acceptance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 37 states, reputation grade D.

Complaints by issue type

What consumers report about American Credit Acceptance, LLC

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

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 #252

  • VOL 561
  • GRADE D
  • 12MO 259
  • STATES 37
  • TIMELY 88%
  • DISPUTE 9%
  • ISSUE Attempts to collect debt n…
  • RANK #246
  • COMPOSE #252

Volume peers

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

Community Choice Financial, Inc.Community Choice Financial, …559RS Clark and Associates, Inc.RS Clark and Associates, Inc.560American Credit Acceptance, LLC (this)American Credit Acceptance, …561Collection Bureau of the Hudson Valley, Inc.Collection Bureau of the Hud…564Blitt and Gaines, P.C.Blitt and Gaines, P.C.565
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 →

How the 561 complaints break down

Every complaint issue type on record for American Credit Acceptance, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.1/100
American Credit Acceptance, LLC

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
561
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
88%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
9%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#246 volume
#252 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Acceptance, LLC 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
9%
26%
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 Credit Acceptance, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) American Credit Acceptance, LLC vs. 10 similar-volume peers, by response speed and dispute rate American Credit Acceptance, LLCRS Clark and Associates, Inc.COMMUNITY CHOICE FINANCIAL, INC.Collection Bureau of the Hudson Valley, Inc.Blitt and Gaines, P.C.CarMax, Inc.EdFinancial ServicesLaw Office of Michael J. Scott, PCMonarch Recovery Holdings, Inc.OPORTUN FINANCIAL CORPORATIONThaxton Investment Corporation
Source: CFPB Consumer Complaint Database

American Credit Acceptance, LLC's complaint volume in context

American Credit Acceptance, LLC 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)

561 Top 5% higher than 95% 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 Credit Acceptance, LLC 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)

Rising ↑
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.

Top states by complaints against American Credit Acceptance, LLC

Across 37 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 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.