Total CFPB complaints
14
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 14 complaints
American Financial Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about American Financial Credit Services, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- False statements or representation
False statements or representation
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 66.6/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about American Financial Credit Services, Inc.?
American Financial Credit Services, Inc. has accumulated 14 total CFPB complaints across 7 states, with 1 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 7.1% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 29% 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 7 states, led by Indiana with 5 and Michigan with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.6/100 places American Financial Credit Services, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
7.1% of total history
Stable →
States active
7
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
B
66.6/100 composite
Response-quality profile
How American Financial Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does American Financial Credit Services, Inc. compare to its peers?
American Financial Cre… 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)
2013-10 2025-09
Top Consumer Issues
Cont'd attempts collect debt not owed4 (%)
Attempts to collect debt not owed3 (%)
Written notification about debt2 (%)
False statements or representation4 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| False statements or representation | Indicated shouldn't respond to lawsuit | 1 |
Where do complaints against American Financial Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against American Financial Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against American Financial Credit Services, Inc.
Across 7 states with at least one filing
- Indiana
Indiana
5 complaints
- Michigan
Michigan
3 complaints
- South Carolina
South Carolina
2 complaints
- New Mexico 1
New Mexico
1 complaints
- Alabama 1
Alabama
1 complaints
- Illinois 1
Illinois
1 complaints
- New Hampshire 1
New Hampshire
1 complaints
Frequently Asked Questions
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 "Cont'd attempts collect debt not owed", 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. have been stable. The company received 1 complaints in the last 12 months.
What is American Financial Credit Services, Inc.'s reputation grade? ▼
American Financial Credit Services, Inc. has a reputation grade of B (score: 66.6/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if American Financial Credit Services, Inc. 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 Financial Credit Services, Inc. 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 |