What is the most common complaint against Atlantic Credit & Finance, Inc.?

The most common issue consumers report about Atlantic Credit & Finance, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 235 complaints filed with the CFPB.

Are complaints against Atlantic Credit & Finance, Inc. increasing or decreasing?

Complaints against Atlantic Credit & Finance, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Atlantic Credit & Finance, Inc.'s reputation grade?

Atlantic Credit & Finance, Inc. has a reputation grade of C (score: 58.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Atlantic Credit & Finance, Inc. respond to consumer complaints?

Atlantic Credit & Finance, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.

In how many states does Atlantic Credit & Finance, Inc. operate?

Atlantic Credit & Finance, Inc. has received CFPB complaints from consumers in 40 states, with the most complaints from California (20 complaints).

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

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

CFPB complaint profile across 40 states, reputation grade C.

Compiled by PlainCollector

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

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 #2603

VOL 235
GRADE C
12MO 0
STATES 40
TIMELY 99%
DISPUTE 6%
ISSUE Communication tactics
RANK #473
COMPOSE #2,603

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Atlantic Credit & Finance, Inc. still sits volume #473 against composite #2,603 - the two RankMaps diverge by 2,130 places. 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
Divergent corpus ranks: #473 volume; #2,603 composite; Cleanest-composite ladder is 2,130 places worse than volume

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 & Fina… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

93%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

20
Texas

20
New York

19
Georgia

18
Florida

13
Tennessee

13
Maryland

11
Illinois

9

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.