What is the most common complaint against AmeriCollect?

The most common issue consumers report about AmeriCollect is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,970 complaints filed with the CFPB.

Are complaints against AmeriCollect increasing or decreasing?

Complaints against AmeriCollect are falling. The company received 256 complaints in the last 12 months, showing improvement over prior periods.

What is AmeriCollect's reputation grade?

AmeriCollect has a reputation grade of D (score: 50.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does AmeriCollect respond to consumer complaints?

AmeriCollect has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does AmeriCollect operate?

AmeriCollect has received CFPB complaints from consumers in 47 states, with the most complaints from Florida (403 complaints).

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

AmeriCollect - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

788
Written notification about debt

509
False statements or representation

185
Took or threatened to take negative or legal action

143
Communication tactics

133
Cont'd attempts collect debt not owed

99

Data updated September 2026

CFPB complaint disposition

CCDB record americollect AmeriCollect

Grade D · 1,970 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #85 · compose #4070

VOL 1,970
GRADE D
12MO 256
STATES 47
TIMELY 100%
DISPUTE 26%
ISSUE Attempts to collect debt n…
RANK #85
COMPOSE #4,070

Volume peers

Nearest volume peer: LJ Ross Associates (1,975 complaints)

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

AmeriCollect's 1,970 CFPB complaints sit next to LJ Ross Associates 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 →

Steady monthly series

Florida is the plurality state for AmeriCollect (20.5%)

Volume rank #85 and composite rank #4,070 diverge by 3,985 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 20.5%; Mid-band (15–30%) · 47 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2022-04 at 7.3% (87 filings)
Divergent corpus ranks: #85 volume; #4,070 composite; Cleanest-composite ladder is 3,985 places worse than volume

How does AmeriCollect compare to its peers?

How does AmeriCollect compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AmeriCollect National average

Complaints (last 12 mo)lower is better

256

721

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

26%

23%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-02 2024-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	788
Written notification about debt	509
False statements or representation	185
Took or threatened to take negative or legal action	143
Communication tactics	133
Cont'd attempts collect debt not owed	99
Disclosure verification of debt	59
Improper contact or sharing of info	23
Threatened to contact someone or share information improperly	20
Electronic communications	9

Where do complaints against AmeriCollect come from?

AmeriCollect's own per-state count, not a national baseline.

Florida

403
Wisconsin

327
Georgia

245
Texas

150
Michigan

81
Illinois

73
New Jersey

68
Pennsylvania

68

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for AmeriCollect: 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: 1,970.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.63560645497137%.

4 peers

Know your rights before responding to AmeriCollect: 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.