What is the most common complaint against American Debt Consolidation?

The most common issue consumers report about American Debt Consolidation is "Attempts to collect debt not owed". This is based on 2 complaints filed with the CFPB.

Are complaints against American Debt Consolidation increasing or decreasing?

Complaints against American Debt Consolidation are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is American Debt Consolidation's reputation grade?

American Debt Consolidation has a reputation grade of F (score: 39.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Debt Consolidation respond to consumer complaints?

American Debt Consolidation has a 0% timely response rate to CFPB complaints.

In how many states does American Debt Consolidation operate?

American Debt Consolidation has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (1 complaints).

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

American Debt Consolidation - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record american-debt-consolidation American Debt Consolidation

Grade F · 2 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #3918 · compose #4905

VOL 2
GRADE F
12MO 1
STATES 2
TIMELY 0%
ISSUE Attempts to collect debt n…
RANK #3,918
COMPOSE #4,905

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

American Debt Consolidation's 2 CFPB complaints sit next to 1 Auto Finance, 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 →

State-heavy filing map

50.0% of American Debt Consolidation's CFPB filings land in Florida

High volume does not equal a clean composite: American Debt Consolidation is volume #3,918 but composite #4,905, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2022-07 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,918 volume; #4,905 composite; Cleanest-composite ladder is 987 places worse than volume

How does American Debt Consolidation compare to its peers?

How does American Debt Consolidation 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 Debt Consolid… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-07 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Communication tactics	1

Where do complaints against American Debt Consolidation come from?

American Debt Consolidation's own per-state count, not a national baseline.

Florida

1
Pennsylvania

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Debt Consolidation: 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: 2.

4 peers

Know your rights before responding to American Debt Consolidation: 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.