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

CFPB complaint data Grade C 235 complaints

Atlantic Credit & Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade C.

Complaints by issue type

What consumers report about Atlantic Credit & Finance, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record atlantic-credit-finance-inc Atlantic Credit & Finance, Inc.

Grade C · 235 CFPB filings · 99% timely · lead issue: Communication tactics · vol #473 · compose #12

  • VOL 235
  • GRADE C
  • 12MO 0
  • STATES 40
  • TIMELY 99%
  • DISPUTE 6%
  • ISSUE Communication tactics
  • RANK #473
  • COMPOSE #12

Volume peers

Nearest volume peer: Gatestone & Co. International Inc. (235 complaints)

Gatestone & Co. International Inc.Gatestone & Co. Internationa…235Atlantic Credit & Finance, Inc. (this)Atlantic Credit & Finance, I…235BYL Collection ServicesBYL Collection Services236M.A.R.S., Inc.M.A.R.S., Inc.236Starmark Financial LLCStarmark Financial LLC236
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Atlantic Credit & Finance, Inc.'s 235 CFPB complaints sit next to Gatestone & Co. International Inc. 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 →

How the 235 complaints break down

Every complaint issue type on record for Atlantic Credit & Finance, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
58.5/100
Atlantic Credit & Finance, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
235
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
6%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Atlantic Credit & Finance, Inc. spreads filings across 40 states - California leads at only 8.5%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 8.5% across 40 states
Seasonal peak
2026-01 10.9%
8–15% band · 6 filings
Corpus ranks
#473 volume
#12 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Atlantic Credit & Finance, Inc. compare to its peers?

How does Atlantic Credit & Finance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Atlantic Credit & Finance, Inc. National average
Complaints (last 12 mo)lower is better
0
12
268
Timely-response ratehigher is better
99%
93%
91%
Consumer-dispute ratelower is better
6%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Atlantic Credit & Finance, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Atlantic Credit & Finance, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Atlantic Credit & Finance, Inc.Gatestone & Co. International Inc.M.A.R.S., Inc.BYL Collection ServicesAutomated Collection Services, Inc.Hollis Cobb AssociatesBB&T CORPORATIONRausch, Sturm, Israel, Enerson & Hornik, LLPBlueChip FinancialTorres Credit Services, Inc.
Source: CFPB Consumer Complaint Database

Atlantic Credit & Finance, Inc.'s complaint volume in context

Atlantic Credit & Finance, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

235 Top 9% higher than 91% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Atlantic Credit & Finance, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-12 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
85
Cont'd attempts collect debt not owed
26
Disclosure verification of debt
23
Improper contact or sharing of info
20
Took or threatened to take negative or legal action
16
Attempts to collect debt not owed
15
Written notification about debt
14
False statements or representation
14
Taking/threatening an illegal action
12
Threatened to contact someone or share information improperly
10

Where do complaints against Atlantic Credit & Finance, Inc. come from?

Atlantic Credit & Finance, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Atlantic Credit & Finance, Inc.

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Atlantic Credit & Finance, Inc.: 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: 235.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.14893617021276%.

4 peers

Know your rights before responding to Atlantic Credit & Finance, Inc.: 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.