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

Data updated July 2026

D

Grade D · 55.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: American Credit Acceptance, LLC ranks ahead of 27% of the 5,283 collectors PlainCollector grades - 73% keep a cleaner CFPB record, on 561 all-time complaints and a 88% timely-response rate.

27th pct
reputation rank of 5,283 graded collectors
561
CFPB complaints, all-time
88%
answered inside the CFPB window
259
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about American Credit Acceptance, LLC?

American Credit Acceptance, LLC has accumulated 561 total CFPB complaints across 37 states, with 259 filed in the most recent 12 months against 302 historical complaints before that window. The trailing-12-month volume represents 46.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 88% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 37 states, led by Texas with 105 and Florida with 72. Normalized against the full CFPB collector database, the reputation score of 55.5/100 places American Credit Acceptance, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

561

mid-volume (CCDB)

Last 12 months

259

46.2% of all-time complaints

Rising ↑

States active

37

multi-region footprint

Timely response rate

88%

acceptable band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

D

55.5/100 composite

How does American Credit Acceptance, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 27th percentile higher than 27% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

American Credit Acceptance, LLC versus the debt-collection vertical average.

Timely response within SLA 87.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 66.1%

Share of US states + territories with at least one filed complaint against this collector.

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, 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
9%
26%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-03 2025-11

Issue Detail Breakdown

Issue Sub-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

What to do if American Credit Acceptance, LLC contacts you

A grade of D signals how American Credit Acceptance, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really American Credit Acceptance, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how American Credit Acceptance, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 55.5/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.