Total CFPB complaints
1,921
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 1,921 complaints
AmeriCollect — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AmeriCollect
- Attempts to collect debt not owed
Attempts to collect debt not owed
752 complaints
- Written notification about debt
Written notification about debt
488 complaints
- False statements or representation 151
False statements or representation
151 complaints
- Took or threatened to take negative or legal action 123
Took or threatened to take negative or legal action
123 complaints
- Cont'd attempts collect debt not owed 85
Cont'd attempts collect debt not owed
85 complaints
- Communication tactics 75
Communication tactics
75 complaints
D
Grade D · 54.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AmeriCollect?
AmeriCollect has accumulated 1,921 total CFPB complaints across 46 states, with 296 filed in the most recent 12 months against 1,625 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 100% timely-response rate against a 26% 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 46 states, led by Florida with 385 and Wisconsin with 324, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.0/100 places AmeriCollect 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
296
15.4% of total history
Rising ↑
States active
46
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
54.0/100 composite
Response-quality profile
How AmeriCollect performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 51.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does AmeriCollect compare to its peers?
AmeriCollect 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed752 (%)
Written notification about debt488 (%)
False statements or representation151 (%)
Took or threatened to take negative or legal action123 (%)
Communication tactics75 (%)
Cont'd attempts collect debt not owed85 (%)
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 | 458 |
| Written notification about debt | Didn't receive enough information to verify debt | 350 |
| Attempts to collect debt not owed | Debt was result of identity theft | 166 |
| False statements or representation | Attempted to collect wrong amount | 151 |
| Written notification about debt | Didn't receive notice of right to dispute | 138 |
| Attempts to collect debt not owed | Debt was paid | 128 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 123 |
| Communication tactics | Frequent or repeated calls | 75 |
| Cont'd attempts collect debt not owed | Debt is not mine | 49 |
| Cont'd attempts collect debt not owed | Debt was paid | 36 |
Where do complaints against AmeriCollect come from?
The states where consumers have filed the most CFPB complaints against AmeriCollect. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AmeriCollect
Across 46 states with at least one filing
- Florida
Florida
385 complaints
- Wisconsin
Wisconsin
324 complaints
- Georgia
Georgia
231 complaints
- Texas 147
Texas
147 complaints
- Michigan 78
Michigan
78 complaints
- Illinois 72
Illinois
72 complaints
- New Jersey 68
New Jersey
68 complaints
- Pennsylvania 67
Pennsylvania
67 complaints
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 1,921 complaints filed with the CFPB.
Are complaints against AmeriCollect increasing or decreasing? ▼
Complaints against AmeriCollect are rising. The company received 296 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is AmeriCollect's reputation grade? ▼
AmeriCollect has a reputation grade of D (score: 54.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 46 states, with the most complaints from Florida (385 complaints).
What can I do if AmeriCollect 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 AmeriCollect 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 |