What is the most common complaint against American Credit Financial?

The most common issue consumers report about American Credit Financial is "Took or threatened to take negative or legal action", specifically "Indicated you were committing crime by not paying debt". This is based on 23 complaints filed with the CFPB.

Are complaints against American Credit Financial increasing or decreasing?

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

What is American Credit Financial's reputation grade?

American Credit Financial has a reputation grade of C (score: 59.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Financial respond to consumer complaints?

American Credit Financial has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does American Credit Financial operate?

American Credit Financial has received CFPB complaints from consumers in 13 states, with the most complaints from Ohio (5 complaints).

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

American Credit Financial - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

7
False statements or representation

7
Communication tactics

3
Attempts to collect debt not owed

2
Written notification about debt

2
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record american-credit-financial American Credit Financial

Grade C · 23 CFPB filings · 87% timely · lead issue: Took or threatened to take negative or legal action · vol #1759 · compose #2456

VOL 23
GRADE C
12MO 0
STATES 13
TIMELY 87%
DISPUTE 20%
ISSUE Took or threatened to take…
RANK #1,759
COMPOSE #2,456

Volume peers

Nearest volume peer: Acceptance Solutions Group, INC (23 complaints)

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

American Credit Financial's 23 CFPB complaints sit next to Acceptance Solutions Group, 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

Ohio is the plurality state for American Credit Financial (21.7%)

The 2025-06 spike coincides with a 697-place gap between volume rank #1,759 and composite #2,456. Corpus placement method.

Plurality state: Ohio 21.7%; Mid-band (15–30%) · 13 states with ≥1 filing
Spike month: 2025-06 75.0%; 3 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,759 volume; #2,456 composite; Cleanest-composite ladder is 697 places worse than volume

How does American Credit Financial compare to its peers?

How does American Credit Financial 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 Financ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

91%

Consumer-dispute ratelower is better

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-01 2025-06

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	7
False statements or representation	7
Communication tactics	3
Attempts to collect debt not owed	2
Written notification about debt	2
Cont'd attempts collect debt not owed	1
Taking/threatening an illegal action	1

Where do complaints against American Credit Financial come from?

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

Ohio

5
California

4
Tennessee

2
Texas

2
Arizona

1
Florida

1
Indiana

1
Louisiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Credit Financial: 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: 23.

4 peers

Know your rights before responding to American Credit Financial: 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.