What is the most common complaint against Commercial Acceptance Company?

The most common issue consumers report about Commercial Acceptance Company is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 292 complaints filed with the CFPB.

Are complaints against Commercial Acceptance Company increasing or decreasing?

Complaints against Commercial Acceptance Company have been stable. The company received 69 complaints in the last 12 months.

What is Commercial Acceptance Company's reputation grade?

Commercial Acceptance Company has a reputation grade of D (score: 51.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Commercial Acceptance Company respond to consumer complaints?

Commercial Acceptance Company has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Commercial Acceptance Company operate?

Commercial Acceptance Company has received CFPB complaints from consumers in 22 states, with the most complaints from Pennsylvania (177 complaints).

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

Commercial Acceptance Company - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Compiled by PlainCollector

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

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 #3885

VOL 292
GRADE D
12MO 69
STATES 22
TIMELY 93%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #404
COMPOSE #3,885

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Commercial Acceptance Company is volume #404 but composite #3,885, while Pennsylvania dominates the geography. 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
Divergent corpus ranks: #404 volume; #3,885 composite; Cleanest-composite ladder is 3,481 places worse than volume

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 … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

100%

91%

Consumer-dispute ratelower is better

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Pennsylvania

177
New Jersey

26
New York

19
Delaware

10
Florida

10
Maryland

8
Texas

8
Alabama

5

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.