Total CFPB complaints
2,263
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 2,263 complaints
CREDIT ACCEPTANCE CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CREDIT ACCEPTANCE CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
778 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
399 complaints
- False statements or representation
False statements or representation
333 complaints
- Written notification about debt 306
Written notification about debt
306 complaints
- Communication tactics 112
Communication tactics
112 complaints
D
Grade D · 56.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CREDIT ACCEPTANCE CORPORATION?
CREDIT ACCEPTANCE CORPORATION has accumulated 2,263 total CFPB complaints across 50 states, with 710 filed in the most recent 12 months against 1,553 historical complaints before that window. The trailing-12-month volume represents 31.4% 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 100% timely-response rate against a 18% 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 50 states, led by Michigan with 248 and Texas with 170, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.0/100 places CREDIT ACCEPTANCE CORPORATION 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
710
31.4% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
56.0/100 composite
Response-quality profile
How CREDIT ACCEPTANCE CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does CREDIT ACCEPTANCE CORPORATION compare to its peers?
CREDIT ACCEPTANCE CORP… 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 owed778 (%)
False statements or representation333 (%)
Took or threatened to take negative or legal action399 (%)
Written notification about debt306 (%)
Communication tactics112 (%)
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 | 389 |
| False statements or representation | Attempted to collect wrong amount | 333 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 293 |
| Attempts to collect debt not owed | Debt was result of identity theft | 242 |
| Written notification about debt | Didn't receive enough information to verify debt | 184 |
| Attempts to collect debt not owed | Debt was paid | 147 |
| Written notification about debt | Didn't receive notice of right to dispute | 122 |
| Communication tactics | Frequent or repeated calls | 112 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 58 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 48 |
Where do complaints against CREDIT ACCEPTANCE CORPORATION come from?
The states where consumers have filed the most CFPB complaints against CREDIT ACCEPTANCE CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CREDIT ACCEPTANCE CORPORATION
Across 50 states with at least one filing
- Michigan
Michigan
248 complaints
- Texas
Texas
170 complaints
- Pennsylvania
Pennsylvania
145 complaints
- New York
New York
123 complaints
- Florida
Florida
120 complaints
- Ohio
Ohio
104 complaints
- Georgia 98
Georgia
98 complaints
- New Jersey 98
New Jersey
98 complaints
Frequently Asked Questions
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 2,263 complaints filed with the CFPB.
Are complaints against CREDIT ACCEPTANCE CORPORATION increasing or decreasing? ▼
Complaints against CREDIT ACCEPTANCE CORPORATION are rising. The company received 710 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: 56.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (248 complaints).
What can I do if CREDIT ACCEPTANCE CORPORATION 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 CREDIT ACCEPTANCE CORPORATION 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 |