What is the most common complaint against Credit Acceptance Corporation?

The most common issue consumers report about Credit Acceptance Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,440 complaints filed with the CFPB.

Are complaints against Credit Acceptance Corporation increasing or decreasing?

Complaints against Credit Acceptance Corporation are rising. The company received 731 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Credit Acceptance Corporation's reputation grade?

Credit Acceptance Corporation has a reputation grade of D (score: 53.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Credit Acceptance Corporation respond to consumer complaints?

Credit Acceptance Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does Credit Acceptance Corporation operate?

Credit Acceptance Corporation has received CFPB complaints from consumers in 50 states, with the most complaints from Michigan (265 complaints).

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

Credit Acceptance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

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

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 #3584

VOL 2,440
GRADE D
12MO 731
STATES 50
TIMELY 100%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #70
COMPOSE #3,584

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Credit Acceptance Corporation still sits volume #70 against composite #3,584 - the two RankMaps diverge by 3,514 places. 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)
Divergent corpus ranks: #70 volume; #3,584 composite; Cleanest-composite ladder is 3,514 places worse than volume

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 CORP… 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.

Complaint Trend (24 months)

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.

Michigan

265
Texas

183
Pennsylvania

151
Florida

138
New York

126
Ohio

107
Georgia

102
New Jersey

101

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.