Total CFPB complaints
58
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 58 complaints
AmeriCash Holding LLC — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AmeriCash Holding LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Communication tactics
Communication tactics
11 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
D
Grade D · 57.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AmeriCash Holding LLC?
AmeriCash Holding LLC has accumulated 58 total CFPB complaints across 9 states, with 6 filed in the most recent 12 months against 52 historical complaints before that window. The trailing-12-month volume represents 10.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 33% 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 9 states, led by Illinois with 26 and Wisconsin with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places AmeriCash Holding LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
10.3% of total history
Falling ↓
States active
9
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
57.3/100 composite
Response-quality profile
How AmeriCash Holding LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does AmeriCash Holding LLC compare to its peers?
AmeriCash Holding LLC 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)
2021-04 2025-11
Top Consumer Issues
Attempts to collect debt not owed19 (%)
Took or threatened to take negative or legal action10 (%)
Communication tactics11 (%)
Written notification about debt3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Communication tactics | Threatened to take legal action | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | Called after sent written cease of comm | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
Where do complaints against AmeriCash Holding LLC come from?
The states where consumers have filed the most CFPB complaints against AmeriCash Holding LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AmeriCash Holding LLC
Across 9 states with at least one filing
- Illinois
Illinois
26 complaints
- Wisconsin
Wisconsin
12 complaints
- Missouri 7
Missouri
7 complaints
- South Carolina 4
South Carolina
4 complaints
- North Carolina 3
North Carolina
3 complaints
- Georgia 3
Georgia
3 complaints
- Puerto Rico 1
Puerto Rico
1 complaints
- Minnesota 1
Minnesota
1 complaints
Frequently Asked Questions
What is the most common complaint against AmeriCash Holding LLC? ▼
The most common issue consumers report about AmeriCash Holding LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 58 complaints filed with the CFPB.
Are complaints against AmeriCash Holding LLC increasing or decreasing? ▼
Complaints against AmeriCash Holding LLC are falling. The company received 6 complaints in the last 12 months, showing improvement over prior periods.
What is AmeriCash Holding LLC's reputation grade? ▼
AmeriCash Holding LLC has a reputation grade of D (score: 57.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does AmeriCash Holding LLC respond to consumer complaints? ▼
AmeriCash Holding LLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does AmeriCash Holding LLC operate? ▼
AmeriCash Holding LLC has received CFPB complaints from consumers in 9 states, with the most complaints from Illinois (26 complaints).
What can I do if AmeriCash Holding LLC 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 AmeriCash Holding LLC 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 |