Total CFPB complaints
35
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 35 complaints
American Credit Resolution, Incorporated — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Credit Resolution, Incorporated
- Communication tactics
Communication tactics
11 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Improper contact or sharing of info 3
Improper contact or sharing of info
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
C
Grade C · 61.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about American Credit 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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 24% 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 17 states, led by Texas with 6 and New York with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places American Credit Resolution, Incorporated 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
17
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
C
61.6/100 composite
Response-quality profile
How American Credit Resolution, Incorporated performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 48.0%
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?
American Credit Resolu… 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)
2014-11 2019-02
Top Consumer Issues
Taking/threatening an illegal action6 (%)
Communication tactics11 (%)
Improper contact or sharing of info3 (%)
False statements or representation4 (%)
Cont'd attempts collect debt not owed2 (%)
Written notification about debt2 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 6 |
| Communication tactics | Threatened to take legal action | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Improper contact or sharing of info | Contacted employer after asked not to | 2 |
| False statements or representation | Indicated committed crime not paying | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
Where do complaints against American Credit Resolution, Incorporated come from?
The states where consumers have filed the most CFPB complaints against American Credit Resolution, Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Credit Resolution, Incorporated
Across 17 states with at least one filing
- Texas
Texas
6 complaints
- New York
New York
5 complaints
- Ohio
Ohio
4 complaints
- California 2
California
2 complaints
- South Carolina 2
South Carolina
2 complaints
- Florida 2
Florida
2 complaints
- New Jersey 2
New Jersey
2 complaints
- Georgia 2
Georgia
2 complaints
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 "Taking/threatening an illegal action", 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 have been stable. The company received 0 complaints in the last 12 months.
What is American Credit Resolution, Incorporated's reputation grade? ▼
American Credit Resolution, Incorporated has a reputation grade of C (score: 61.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if American Credit Resolution, Incorporated 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 Resolution, Incorporated 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 |