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

CFPB complaint data Grade C 23 complaints

American Credit Financial - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade C.

Complaints by issue type

What consumers report about American Credit Financial

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 23
  • GRADE C
  • 12MO 0
  • STATES 13
  • TIMELY 87%
  • DISPUTE 20%
  • ISSUE Took or threatened to take…
  • RANK #1,759
  • COMPOSE Not ranked

Volume peers

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

Acceptance Solutions Group, INCAcceptance Solutions Group, …23Americor Funding, LLCAmericor Funding, LLC23Associated Banc-CorpAssociated Banc-Corp23Assured Financial LLCAssured Financial LLC23American Credit Financial (this)American Credit Financial (t…23
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 →

How the 23 complaints break down

Every complaint issue type on record for American Credit Financial, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
59.5/100
American Credit Financial

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
23
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
87%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
20%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#1,759 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Financial National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
87%
87%
91%
Consumer-dispute ratelower is better
20%
8%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy American Credit Financial a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%20%40%60% Timely response rate (%) Dispute rate (%) American Credit Financial vs. 7 similar-volume peers, by response speed and dispute rate American Credit FinancialAcceptance Solutions Group, INCASSOCIATED BANC-CORPBison Recovery Group, Inc.Borenstein & Associates, LLCCade Investments LLCCertified Recovery Systems, Inc.Child Support Recovery Services, Inc.
Source: CFPB Consumer Complaint Database

American Credit Financial's complaint volume in context

American Credit Financial vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

23 68th percentile higher than 68% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. American Credit Financial 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against American Credit Financial

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.