Total CFPB complaints
4
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 4 complaints
American Credit Exchange, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Credit Exchange, Inc
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
B
Grade B · 67.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about American Credit Exchange, Inc?
American Credit Exchange, Inc has accumulated 4 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 75% timely-response rate against a 33% 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 4 states, led by Nevada with 1 and Maryland with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.3/100 places American Credit Exchange, Inc 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
Falling ↓
States active
4
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
B
67.3/100 composite
Response-quality profile
How American Credit Exchange, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does American Credit Exchange, Inc compare to its peers?
American Credit Exchan… 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)
2013-11 2024-07
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed1 (%)
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 | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against American Credit Exchange, Inc come from?
The states where consumers have filed the most CFPB complaints against American Credit Exchange, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Credit Exchange, Inc
Across 4 states with at least one filing
- Nevada
Nevada
1 complaints
- Maryland
Maryland
1 complaints
- North Dakota
North Dakota
1 complaints
- New York
New York
1 complaints
Frequently Asked Questions
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 4 complaints filed with the CFPB.
Are complaints against American Credit Exchange, Inc increasing or decreasing? ▼
Complaints against American Credit Exchange, Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is American Credit Exchange, Inc's reputation grade? ▼
American Credit Exchange, Inc has a reputation grade of B (score: 67.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 4 states, with the most complaints from Nevada (1 complaints).
What can I do if American Credit Exchange, Inc 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 Exchange, Inc 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 |