What is the most common complaint against American Credit Adjusters?

The most common issue consumers report about American Credit Adjusters is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 15 complaints filed with the CFPB.

Are complaints against American Credit Adjusters increasing or decreasing?

Complaints against American Credit Adjusters are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is American Credit Adjusters's reputation grade?

American Credit Adjusters has a reputation grade of B (score: 66.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Adjusters respond to consumer complaints?

American Credit Adjusters has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does American Credit Adjusters operate?

American Credit Adjusters has received CFPB complaints from consumers in 11 states, with the most complaints from Illinois (2 complaints).

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

American Credit Adjusters - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade B.

Compiled by PlainCollector

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

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 #2118 · compose #1698

VOL 15
GRADE B
12MO 0
STATES 11
TIMELY 93%
DISPUTE 13%
ISSUE Cont'd attempts collect de…
RANK #2,118
COMPOSE #1,698

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

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 →

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; #1,698 composite; Among 5,420 volume-ranked / 5,278 scored 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 Adjust… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

100%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Illinois

2
Louisiana

2
New York

2
Texas

2
California

1
Connecticut

1
Florida

1
Hawaii

1

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.