Total CFPB complaints
273
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 273 complaints
Commercial Acceptance Company — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Commercial Acceptance Company
- Attempts to collect debt not owed
Attempts to collect debt not owed
79 complaints
- Written notification about debt
Written notification about debt
52 complaints
- False statements or representation
False statements or representation
34 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
32 complaints
- Communication tactics 14
Communication tactics
14 complaints
- Threatened to contact someone or share information improperly 11
Threatened to contact someone or share information improperly
11 complaints
D
Grade D · 54.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Commercial Acceptance Company?
Commercial Acceptance Company has accumulated 273 total CFPB complaints across 22 states, with 62 filed in the most recent 12 months against 211 historical complaints before that window. The trailing-12-month volume represents 22.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 24% 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 22 states, led by Pennsylvania with 165 and New Jersey with 26, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.8/100 places Commercial Acceptance Company in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
62
22.7% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
54.8/100 composite
Response-quality profile
How Commercial Acceptance Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 47.1%
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?
Commercial Acceptance … 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed79 (%)
Written notification about debt52 (%)
False statements or representation34 (%)
Took or threatened to take negative or legal action32 (%)
Communication tactics14 (%)
Threatened to contact someone or share information improperly11 (%)
Cont'd attempts collect debt not owed9 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 54 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| False statements or representation | Attempted to collect wrong amount | 34 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 32 |
| Written notification about debt | Didn't receive notice of right to dispute | 14 |
| Communication tactics | Frequent or repeated calls | 14 |
| Attempts to collect debt not owed | Debt was result of identity theft | 14 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 11 |
| Attempts to collect debt not owed | Debt was paid | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
Where do complaints against Commercial Acceptance Company come from?
The states where consumers have filed the most CFPB complaints against Commercial Acceptance Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Commercial Acceptance Company
Across 22 states with at least one filing
- Pennsylvania
Pennsylvania
165 complaints
- New Jersey 26
New Jersey
26 complaints
- New York 19
New York
19 complaints
- Delaware 10
Delaware
10 complaints
- Florida 9
Florida
9 complaints
- Maryland 8
Maryland
8 complaints
- Texas 7
Texas
7 complaints
- Georgia 4
Georgia
4 complaints
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 273 complaints filed with the CFPB.
Are complaints against Commercial Acceptance Company increasing or decreasing? ▼
Complaints against Commercial Acceptance Company are rising. The company received 62 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Commercial Acceptance Company's reputation grade? ▼
Commercial Acceptance Company has a reputation grade of D (score: 54.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (165 complaints).
What can I do if Commercial Acceptance Company 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 Commercial Acceptance Company 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 |