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

CFPB complaint data Grade D 292 complaints

Commercial Acceptance Company - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Commercial Acceptance Company

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

Data updated September 2026

CFPB complaint disposition

CCDB record commercial-acceptance-company Commercial Acceptance Company

Grade D · 292 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #404 · compose #328

  • VOL 292
  • GRADE D
  • 12MO 69
  • STATES 22
  • TIMELY 93%
  • DISPUTE 24%
  • ISSUE Attempts to collect debt n…
  • RANK #404
  • COMPOSE #328

Volume peers

Nearest volume peer: Huntington National Bank, the (292 complaints)

Byrider Franchising, LLCByrider Franchising, LLC291Sunbit, Inc.Sunbit, Inc.291Huntington National Bank, theHuntington National Bank, the292Commercial Acceptance Company (this)Commercial Acceptance Compan…292FMA Alliance, Ltd.FMA Alliance, Ltd.294
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Commercial Acceptance Company's 292 CFPB complaints sit next to Huntington National Bank, the 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 292 complaints break down

Every complaint issue type on record for Commercial Acceptance Company, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.9/100
Commercial Acceptance Company

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
292
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

60.6% of Commercial Acceptance Company's CFPB filings land in Pennsylvania

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Pennsylvania 60.6%
177 of 292 filings · 22 states touched
Seasonal peak
2019-07 9.4%
8–15% band · 3 filings
Corpus ranks
#404 volume
#328 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Commercial Acceptance Company compare to its peers?

How does Commercial Acceptance Company compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Commercial Acceptance Company National average
Complaints (last 12 mo)lower is better
69
76
268
Timely-response ratehigher is better
93%
100%
91%
Consumer-dispute ratelower is better
24%
7%
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 Commercial Acceptance Company 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 85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Commercial Acceptance Company vs. 9 similar-volume peers, by response speed and dispute rate Commercial Acceptance CompanyHUNTINGTON NATIONAL BANK, THEByrider Franchising, LLCGlasser and Glasser, PLCFMA Alliance, Ltd.Lending Club CorpWebcollex, LLCComplete Credit Solutions, Inc.CAC Financial CorpCollection Information Bureau, Inc.
Source: CFPB Consumer Complaint Database

Commercial Acceptance Company's complaint volume in context

Commercial Acceptance Company 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)

292 Top 7% higher than 93% 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. Commercial Acceptance Company 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)

Stable →
2016-05 2021-04

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
91
Written notification about debt
59
False statements or representation
36
Took or threatened to take negative or legal action
35
Communication tactics
27
Cont'd attempts collect debt not owed
19
Threatened to contact someone or share information improperly
12
Improper contact or sharing of info
6
Disclosure verification of debt
5
Taking/threatening an illegal action
2

Where do complaints against Commercial Acceptance Company come from?

Commercial Acceptance Company's own per-state count, not a national baseline.

Top states by complaints against Commercial Acceptance Company

Across 22 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 Commercial Acceptance Company: 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: 292.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.4065934065934%.

4 peers

Know your rights before responding to Commercial Acceptance Company: 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.