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

CFPB complaint data Grade B 14 complaints

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

CFPB complaint profile across 7 states, reputation grade B.

Complaints by issue type

What consumers report about American Financial Credit Services, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 66.6/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: American Financial Credit Services, Inc. ranks ahead of 62% of the 5,283 collectors PlainCollector grades - 38% keep a cleaner CFPB record, on 14 all-time complaints and a 93% timely-response rate.

62nd pct
reputation rank of 5,283 graded collectors
14
CFPB complaints, all-time
93%
answered inside the CFPB window
1
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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Debt is not mine". The company posts a 93% timely-response rate against a 29% consumer-dispute-after-response rate.

Complaints have been recorded across 7 states, led by Indiana with 5 and Michigan with 3. Normalized against the full CFPB collector database, the reputation score of 66.6/100 places American Financial Credit Services, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

14

low-volume (CCDB)

Last 12 months

1

7.1% of all-time complaints

Falling ↓

States active

7

regional footprint

Timely response rate

93%

good band

Consumer disputes

29%

elevated (vertical avg ~19%)

Reputation grade

B

66.6/100 composite

How does American Financial Credit Services, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

67 62nd percentile higher than 62% 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 Financial Credit Services, Inc. versus the debt-collection vertical average.

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) 28.6%
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?

How does American Financial Credit Services, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
American Financial Cre… National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
93%
14%
91%
Consumer-dispute ratelower is better
29%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2017-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against American Financial Credit Services, Inc.

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if American Financial Credit Services, Inc. contacts you

A grade of B signals how American Financial Credit Services, Inc.'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 Financial Credit Services, Inc. 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 Financial Credit Services, Inc. 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 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: 66.6/100), 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).

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.