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

CFPB complaint data Grade B 15 complaints

American Credit Adjusters - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade B.

Complaints by issue type

What consumers report about American Credit Adjusters

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

Data updated September 2026

CFPB complaint disposition

CCDB record american-credit-adjusters American Credit Adjusters

Grade B · 15 CFPB filings · 93% timely · lead issue: Cont'd attempts collect debt not owed

  • VOL 15
  • GRADE B
  • 12MO 0
  • STATES 11
  • TIMELY 93%
  • DISPUTE 13%
  • ISSUE Cont'd attempts collect de…
  • RANK #2,118
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

Accounts Advocate AgencyAccounts Advocate Agency15Advanced Resolution Services Inc.Advanced Resolution Services…15Automated Accounts, Inc.Automated Accounts, Inc.15BAM Management US Holdings Inc.BAM Management US Holdings I…15American Credit Adjusters (this)American Credit Adjusters (t…15
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American Credit Adjusters's 15 CFPB complaints sit next to Accounts Advocate Agency 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 15 complaints break down

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

Reputation score breakdown

B
Composite reputation score
66.1/100
American Credit Adjusters

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 C
15
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
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.

Distributed filing map

American Credit Adjusters spreads filings across 11 states - Illinois leads at only 13.3%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Illinois still leads at 13.3% across 11 states
Even monthly load
Peak under 8%
Highest month 2014-03 at 4.8% (1 filings)
Corpus ranks
#2,118 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does American Credit Adjusters compare to its peers?

How does American Credit Adjusters 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 Adjusters National average
Complaints (last 12 mo)lower is better
0
2
268
Timely-response ratehigher is better
93%
100%
91%
Consumer-dispute ratelower is better
13%
0%
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 Adjusters a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 4 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%20%40%60% Timely response rate (%) Dispute rate (%) American Credit Adjusters vs. 3 similar-volume peers, by response speed and dispute rate American Credit AdjustersAutomated Accounts, Inc.CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
Source: CFPB Consumer Complaint Database

American Credit Adjusters's complaint volume in context

American Credit Adjusters 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)

15 61st percentile higher than 61% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. American Credit Adjusters 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 ↓
2014-03 2025-12

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
6
Communication tactics
4
Disclosure verification of debt
2
Taking/threatening an illegal action
2
Improper contact or sharing of info
1

Where do complaints against American Credit Adjusters come from?

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

Top states by complaints against American Credit Adjusters

Across 11 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 Adjusters: 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: 15.

4 peers

Know your rights before responding to American Credit Adjusters: 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.