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

CFPB complaint data Grade D 1,970 complaints

AmeriCollect - Debt Collector Complaint Profile

CFPB complaint profile across 47 states, reputation grade D.

Complaints by issue type

What consumers report about AmeriCollect

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: AmeriCollect ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 1,970 all-time complaints and a 100% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
1,970
CFPB complaints, all-time
100%
answered inside the CFPB window
256
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 AmeriCollect?

AmeriCollect has accumulated 1,970 total CFPB complaints across 47 states, with 256 filed in the most recent 12 months against 1,714 historical complaints before that window. The trailing-12-month volume represents 13.0% 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". The company posts a 100% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 47 states, led by Florida with 403 and Wisconsin with 327. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places AmeriCollect in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,970

high-volume (CCDB)

Last 12 months

256

13.0% of all-time complaints

Falling ↓

States active

47

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

D

54.0/100 composite

How does AmeriCollect's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 22% higher than 22% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

AmeriCollect versus the debt-collection vertical average.

Timely response within SLA 99.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 25.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 83.9%

Share of US states + territories with at least one filed complaint against this collector.

How does AmeriCollect compare to its peers?

How does AmeriCollect compare? Versus a similar-volume peer and the national average, 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%
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 Sub-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.

Top states by complaints against AmeriCollect

Across 47 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if AmeriCollect contacts you

A grade of D signals how AmeriCollect'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 AmeriCollect 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 AmeriCollect 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 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: 54.0/100), 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).

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.