Total CFPB complaints
3
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 3 complaints
American Credit - Credit Repair Centers — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Credit - Credit Repair Centers
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
B
Grade B · 74.6/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about American Credit - Credit Repair Centers?
American Credit - Credit Repair Centers has accumulated 3 total CFPB complaints across 1 states, with 1 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 33.3% 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 "Confusing or misleading advertising or marketing", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 1 states, led by California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 74.6/100 places American Credit - Credit Repair Centers 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
1
33.3% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
74.6/100 composite
Response-quality profile
How American Credit - Credit Repair Centers performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does American Credit - Credit Repair Centers compare to its peers?
American Credit - Cred… 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)
2023-11 2025-11
Top Consumer Issues
Confusing or misleading advertising or marketing2 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Confusing or misleading advertising or marketing
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 |
|---|---|---|
| Confusing or misleading advertising or marketing | — | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against American Credit - Credit Repair Centers come from?
The states where consumers have filed the most CFPB complaints against American Credit - Credit Repair Centers. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Credit - Credit Repair Centers
Across 1 states with at least one filing
- California
California
3 complaints
Frequently Asked Questions
What is the most common complaint against American Credit - Credit Repair Centers? ▼
The most common issue consumers report about American Credit - Credit Repair Centers is "Confusing or misleading advertising or marketing". This is based on 3 complaints filed with the CFPB.
Are complaints against American Credit - Credit Repair Centers increasing or decreasing? ▼
Complaints against American Credit - Credit Repair Centers are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is American Credit - Credit Repair Centers's reputation grade? ▼
American Credit - Credit Repair Centers has a reputation grade of B (score: 74.6/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does American Credit - Credit Repair Centers respond to consumer complaints? ▼
American Credit - Credit Repair Centers has a 100% timely response rate to CFPB complaints.
In how many states does American Credit - Credit Repair Centers operate? ▼
American Credit - Credit Repair Centers has received CFPB complaints from consumers in 1 states, with the most complaints from California (3 complaints).
What can I do if American Credit - Credit Repair Centers 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 - Credit Repair Centers 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 |