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

CFPB complaint data Grade D 2,440 complaints

Credit Acceptance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about Credit Acceptance Corporation

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

Data updated September 2026

CFPB complaint disposition

CCDB record credit-acceptance-corporation Credit Acceptance Corporation

Grade D · 2,440 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #70 · compose #207

  • VOL 2,440
  • GRADE D
  • 12MO 731
  • STATES 50
  • TIMELY 100%
  • DISPUTE 18%
  • ISSUE Attempts to collect debt n…
  • RANK #70
  • COMPOSE #207

Volume peers

Nearest volume peer: Medical Data Systems, Inc. (2,427 complaints)

MRS BPO, LLCMRS BPO, LLC2,405Medical Data Systems, Inc.Medical Data Systems, Inc.2,427Credit Acceptance Corporation (this)Credit Acceptance Corporatio…2,440Phoenix Financial Services LLCPhoenix Financial Services L…2,465Central Portfolio Control Inc.Central Portfolio Control In…2,476
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Credit Acceptance Corporation's 2,440 CFPB complaints sit next to Medical Data Systems, Inc. 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 2,440 complaints break down

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

Reputation score breakdown

D
Composite reputation score
53.8/100
Credit Acceptance Corporation

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
2,440
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
18%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Credit Acceptance Corporation spreads filings across 50 states - Michigan leads at only 10.9%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Michigan still leads at 10.9% across 50 states
Even monthly load
Peak under 8%
Highest month 2025-07 at 6.5% (139 filings)
Corpus ranks
#70 volume
#207 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Credit Acceptance Corporation compare to its peers?

How does CREDIT ACCEPTANCE CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
CREDIT ACCEPTANCE CORPORATION National average
Complaints (last 12 mo)lower is better
731
384
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
18%
20%
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 Credit Acceptance Corporation 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 75%80%85%90%95%100%105% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Credit Acceptance Corporation vs. 9 similar-volume peers, by response speed and dispute rate Credit Acceptance CorporationMedical Data Systems, Inc.Phoenix Financial Services LLCMRS BPO, LLCCentral Portfolio Control Inc.Rent Recovery SolutionsEOS Holdings, Inc.Westlake Services, LLCDebt Recovery Solutions, LLCPenn Credit Corporation
Source: CFPB Consumer Complaint Database

Credit Acceptance Corporation's complaint volume in context

Credit Acceptance Corporation 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)

2,440 Top 1% higher than 99% 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. Credit Acceptance Corporation 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)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
884
Took or threatened to take negative or legal action
544
False statements or representation
393
Written notification about debt
335
Communication tactics
172
Cont'd attempts collect debt not owed
40
Threatened to contact someone or share information improperly
27
Disclosure verification of debt
20
Taking/threatening an illegal action
15
Electronic communications
7

Where do complaints against Credit Acceptance Corporation come from?

Credit Acceptance Corporation's own per-state count, not a national baseline.

Top states by complaints against Credit Acceptance Corporation

Across 50 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 Credit Acceptance Corporation: 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: 2,440.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.7348652231551%.

4 peers

Know your rights before responding to Credit Acceptance Corporation: 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.