Total CFPB complaints
23
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 23 complaints
American Credit Financial — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Credit Financial
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- False statements or representation
False statements or representation
5 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
C
Grade C · 63.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Credit Financial?
American Credit Financial has accumulated 23 total CFPB complaints across 13 states, with 0 filed in the most recent 12 months against 23 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Indicated you were committing crime by not paying debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 87% timely-response rate against a 20% 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 13 states, led by Ohio with 5 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.4/100 places American Credit Financial in grade band C, 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
Stable →
States active
13
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
63.4/100 composite
Response-quality profile
How American Credit Financial performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 87.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does American Credit Financial compare to its peers?
American Credit Financ… 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)
2016-01 2021-07
Top Consumer Issues
False statements or representation5 (%)
Took or threatened to take negative or legal action6 (%)
Communication tactics2 (%)
Written notification about debt2 (%)
Cont'd attempts collect debt not owed1 (%)
Attempts to collect debt not owed1 (%)
Most common issue: False statements or representation — Indicated you were committing crime by not paying debt
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 |
|---|---|---|
| False statements or representation | Indicated you were committing crime by not paying debt | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
| False statements or representation | Told you not to respond to a lawsuit they filed against you | 1 |
Where do complaints against American Credit Financial come from?
The states where consumers have filed the most CFPB complaints against American Credit Financial. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Credit Financial
Across 13 states with at least one filing
- Ohio
Ohio
5 complaints
- California
California
4 complaints
- Texas
Texas
2 complaints
- Tennessee
Tennessee
2 complaints
- Arizona 1
Arizona
1 complaints
- Florida 1
Florida
1 complaints
- Michigan 1
Michigan
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against American Credit Financial? ▼
The most common issue consumers report about American Credit Financial is "False statements or representation", 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 have been stable. The company received 0 complaints in the last 12 months.
What is American Credit Financial's reputation grade? ▼
American Credit Financial has a reputation grade of C (score: 63.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if American Credit Financial 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 Financial 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 |