Total CFPB complaints
235
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 235 complaints
Atlantic Credit & Finance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Atlantic Credit & Finance, Inc.
- Communication tactics
Communication tactics
65 complaints
- Cont'd attempts collect debt not owed 22
Cont'd attempts collect debt not owed
22 complaints
- Improper contact or sharing of info 19
Improper contact or sharing of info
19 complaints
- Disclosure verification of debt 18
Disclosure verification of debt
18 complaints
- False statements or representation 12
False statements or representation
12 complaints
- Attempts to collect debt not owed 9
Attempts to collect debt not owed
9 complaints
C
Grade C · 61.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Atlantic Credit & Finance, Inc.?
Atlantic Credit & Finance, Inc. has accumulated 235 total CFPB complaints across 40 states, with 0 filed in the most recent 12 months against 235 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 6% 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 40 states, led by California with 20 and Texas with 20, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.7/100 places Atlantic Credit & Finance, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
40
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
6%
After company response
Reputation grade
C
61.7/100 composite
Response-quality profile
How Atlantic Credit & Finance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 11.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Atlantic Credit & Finance, Inc. compare to its peers?
Atlantic Credit & Fina… 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)
2017-12 2019-12
Top Consumer Issues
Communication tactics65 (%)
Disclosure verification of debt18 (%)
False statements or representation12 (%)
Cont'd attempts collect debt not owed22 (%)
Improper contact or sharing of info19 (%)
Attempts to collect debt not owed9 (%)
Written notification about debt9 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 55 |
| Disclosure verification of debt | Not given enough info to verify debt | 18 |
| False statements or representation | Attempted to collect wrong amount | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Cont'd attempts collect debt not owed | Debt was paid | 11 |
| Improper contact or sharing of info | Contacted employer after asked not to | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 10 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Improper contact or sharing of info | Talked to a third party about my debt | 9 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
Where do complaints against Atlantic Credit & Finance, Inc. come from?
The states where consumers have filed the most CFPB complaints against Atlantic Credit & Finance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Atlantic Credit & Finance, Inc.
Across 40 states with at least one filing
- California
California
20 complaints
- Texas
Texas
20 complaints
- New York
New York
19 complaints
- Georgia
Georgia
18 complaints
- Florida
Florida
13 complaints
- Tennessee
Tennessee
13 complaints
- Maryland
Maryland
11 complaints
- Illinois
Illinois
9 complaints
Frequently Asked Questions
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. have been stable. The company received 0 complaints in the last 12 months.
What is Atlantic Credit & Finance, Inc.'s reputation grade? ▼
Atlantic Credit & Finance, Inc. has a reputation grade of C (score: 61.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Atlantic Credit & Finance, Inc. 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 Atlantic Credit & Finance, Inc. 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 |