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

Data updated July 2026

D

Grade D · 54.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Commercial Acceptance Company ranks ahead of 25% of the 5,283 collectors PlainCollector grades - 75% keep a cleaner CFPB record, on 292 all-time complaints and a 93% timely-response rate.

25th pct
reputation rank of 5,283 graded collectors
292
CFPB complaints, all-time
93%
answered inside the CFPB window
69
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Commercial Acceptance Company?

Commercial Acceptance Company has accumulated 292 total CFPB complaints across 22 states, with 69 filed in the most recent 12 months against 223 historical complaints before that window. The trailing-12-month volume represents 23.6% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 93% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Pennsylvania with 177 and New Jersey with 26. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Commercial Acceptance Company in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

292

mid-volume (CCDB)

Last 12 months

69

23.6% of all-time complaints

Stable →

States active

22

multi-region footprint

Timely response rate

93%

good band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

D

54.8/100 composite

How does Commercial Acceptance Company's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 Bottom 25% higher than 25% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Commercial Acceptance Company versus the debt-collection vertical average.

Timely response within SLA 93.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 23.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 39.3%

Share of US states + territories with at least one filed complaint against this collector.

How does Commercial Acceptance Company compare to its peers?

How does Commercial Acceptance Company compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Commercial Acceptance … 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.

Complaint Trend (24 months)

2016-05 2021-04

Issue Detail Breakdown

Issue Sub-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

What to do if Commercial Acceptance Company contacts you

A grade of D signals how Commercial Acceptance Company's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Commercial Acceptance Company and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Commercial Acceptance Company ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 54.8/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.