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

CFPB complaint data Grade C 35 complaints

American Credit Resolution, Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade C.

Complaints by issue type

What consumers report about American Credit Resolution, Incorporated

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: American Credit Resolution, Incorporated ranks ahead of 48% of the 5,283 collectors PlainCollector grades - 52% keep a cleaner CFPB record, on 35 all-time complaints and a 91% timely-response rate.

48th pct
reputation rank of 5,283 graded collectors
35
CFPB complaints, all-time
91%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about American Credit Resolution, Incorporated?

American Credit Resolution, Incorporated has accumulated 35 total CFPB complaints across 17 states, with 0 filed in the most recent 12 months against 35 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 "Communication tactics", narrowing to "Threatened arrest/jail if do not pay". The company posts a 91% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 17 states, led by Texas with 6 and New York with 5. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places American Credit Resolution, Incorporated in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

35

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

17

regional footprint

Timely response rate

91%

good band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

C

61.6/100 composite

How does American Credit Resolution, Incorporated's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

62 48th percentile higher than 48% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

American Credit Resolution, Incorporated versus the debt-collection vertical average.

Timely response within SLA 91.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 24.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

How does American Credit Resolution, Incorporated compare to its peers?

How does American Credit Resolution, Incorporated compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
American Credit Resolu… National average
Complaints (last 12 mo)lower is better
0
4
268
Timely-response ratehigher is better
91%
100%
91%
Consumer-dispute ratelower is better
24%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-08 2020-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 12
Taking/threatening an illegal action - 7
False statements or representation - 4
Written notification about debt - 3
Improper contact or sharing of info - 3
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2
Threatened to contact someone or share information improperly - 2

Where do complaints against American Credit Resolution, Incorporated come from?

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

Top states by complaints against American Credit Resolution, Incorporated

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if American Credit Resolution, Incorporated contacts you

A grade of C signals how American Credit Resolution, Incorporated's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really American Credit Resolution, Incorporated and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how American Credit Resolution, Incorporated ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against American Credit Resolution, Incorporated? ▼

The most common issue consumers report about American Credit Resolution, Incorporated is "Communication tactics", specifically "Threatened arrest/jail if do not pay". This is based on 35 complaints filed with the CFPB.

Are complaints against American Credit Resolution, Incorporated increasing or decreasing? ▼

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

What is American Credit Resolution, Incorporated's reputation grade? ▼

American Credit Resolution, Incorporated has a reputation grade of C (score: 61.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Credit Resolution, Incorporated respond to consumer complaints? ▼

American Credit Resolution, Incorporated has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does American Credit Resolution, Incorporated operate? ▼

American Credit Resolution, Incorporated has received CFPB complaints from consumers in 17 states, with the most complaints from Texas (6 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.