Total CFPB complaints
15
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 15 complaints
American Credit Adjusters — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Credit Adjusters
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Communication tactics
Communication tactics
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
B
Grade B · 70.1/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about American Credit Adjusters?
American Credit Adjusters has accumulated 15 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 13% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by Texas with 2 and Illinois with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.1/100 places American Credit Adjusters in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
11
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
B
70.1/100 composite
Response-quality profile
How American Credit Adjusters performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does American Credit Adjusters compare to its peers?
American Credit Adjust… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-01 2016-04
Top Consumer Issues
Cont'd attempts collect debt not owed6 (%)
Disclosure verification of debt2 (%)
Communication tactics4 (%)
Taking/threatening an illegal action2 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
Where do complaints against American Credit Adjusters come from?
The states where consumers have filed the most CFPB complaints against American Credit Adjusters. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Credit Adjusters
Across 11 states with at least one filing
- Texas
Texas
2 complaints
- Illinois
Illinois
2 complaints
- New York
New York
2 complaints
- Louisiana
Louisiana
2 complaints
- Hawaii
Hawaii
1 complaints
- North Carolina
North Carolina
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- Florida
Florida
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is American Credit Adjusters's reputation grade? ▼
American Credit Adjusters has a reputation grade of B (score: 70.1/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 Texas (2 complaints).
What can I do if American Credit Adjusters is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If American Credit Adjusters violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |