What is the most common complaint against American Credit Exchange, Inc?

The most common issue consumers report about American Credit Exchange, Inc is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 5 complaints filed with the CFPB.

Are complaints against American Credit Exchange, Inc increasing or decreasing?

Complaints against American Credit Exchange, Inc have been stable. The company received 1 complaints in the last 12 months.

What is American Credit Exchange, Inc's reputation grade?

American Credit Exchange, Inc has a reputation grade of B (score: 62.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Exchange, Inc respond to consumer complaints?

American Credit Exchange, Inc has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does American Credit Exchange, Inc operate?

American Credit Exchange, Inc has received CFPB complaints from consumers in 5 states, with the most complaints from Florida (1 complaints).

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

American Credit Exchange, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

3
Attempts to collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record american-credit-exchange-inc American Credit Exchange, Inc

Grade B · 5 CFPB filings · 75% timely · lead issue: Cont'd attempts collect debt not owed · vol #3070 · compose #2042

VOL 5
GRADE B
12MO 1
STATES 5
TIMELY 75%
DISPUTE 33%
ISSUE Cont'd attempts collect de…
RANK #3,070
COMPOSE #2,042

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

American Credit Exchange, Inc's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 →

Spiky monthly series

Florida is the plurality state for American Credit Exchange, Inc (20.0%)

The 2020-08 spike coincides with a 1,028-place gap between volume rank #3,070 and composite #2,042. Corpus placement method.

Plurality state: Florida 20.0%; Mid-band (15–30%) · 5 states with ≥1 filing
Spike month: 2020-08 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,070 volume; #2,042 composite; Cleanest-composite ladder is 1,028 places better than volume

How does American Credit Exchange, Inc compare to its peers?

How does American Credit Exchange, Inc 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 Exchan… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

60%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-08 2020-08

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	3
Attempts to collect debt not owed	2

Where do complaints against American Credit Exchange, Inc come from?

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

Florida

1
Maryland

1
Nevada

1
New York

1
North Dakota

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Credit Exchange, Inc: 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: 5.

4 peers

Know your rights before responding to American Credit Exchange, Inc: 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.