What is the most common complaint against American Financial Credit Services, Inc.?

The most common issue consumers report about American Financial Credit Services, Inc. is "False statements or representation", specifically "Debt is not mine". This is based on 14 complaints filed with the CFPB.

Are complaints against American Financial Credit Services, Inc. increasing or decreasing?

Complaints against American Financial Credit Services, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is American Financial Credit Services, Inc.'s reputation grade?

American Financial Credit Services, Inc. has a reputation grade of B (score: 62.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does American Financial Credit Services, Inc. respond to consumer complaints?

American Financial Credit Services, Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.

In how many states does American Financial Credit Services, Inc. operate?

American Financial Credit Services, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from Indiana (5 complaints).

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

American Financial Credit Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Compiled by PlainCollector

False statements or representation

4
Cont'd attempts collect debt not owed

4
Attempts to collect debt not owed

3
Written notification about debt

2
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record american-financial-credit-services-inc American Financial Credit Services, Inc.

Grade B · 14 CFPB filings · 93% timely · lead issue: False statements or representation · vol #2180 · compose #2043

VOL 14
GRADE B
12MO 1
STATES 7
TIMELY 93%
DISPUTE 29%
ISSUE False statements or repres…
RANK #2,180
COMPOSE #2,043

Volume peers

Nearest volume peer: 4 Star Resolution LLC (Closed) (14 complaints)

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

American Financial Credit Services, Inc.'s 14 CFPB complaints sit next to 4 Star Resolution LLC (Closed) 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

35.7% of American Financial Credit Services, Inc.'s CFPB filings land in Indiana

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Indiana 35.7%; 5 of 14 filings · 7 states touched
Spike month: 2014-10 20.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #2,180 volume; #2,043 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does American Financial Credit Services, Inc. compare to its peers?

How does American Financial Credit Services, Inc. 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 Financial Cre… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

14%

91%

Consumer-dispute ratelower is better

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2017-03

Issue Detail Breakdown

Issue	Complaints
False statements or representation	4
Cont'd attempts collect debt not owed	4
Attempts to collect debt not owed	3
Written notification about debt	2
Taking/threatening an illegal action	1

Where do complaints against American Financial Credit Services, Inc. come from?

American Financial Credit Services, Inc.'s own per-state count, not a national baseline.

Indiana

5
Michigan

3
South Carolina

2
Alabama

1
Illinois

1
New Hampshire

1
New Mexico

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for American Financial Credit Services, Inc.: 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: 14.

4 peers

Know your rights before responding to American Financial Credit Services, Inc.: 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.