Total CFPB complaints
95
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 95 complaints
Diversified Acceptance Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Diversified Acceptance Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
31 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
18 complaints
- Written notification about debt
Written notification about debt
13 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
F
Grade F · 37.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Diversified Acceptance Corporation?
Diversified Acceptance Corporation has accumulated 95 total CFPB complaints across 13 states, with 2 filed in the most recent 12 months against 93 historical complaints before that window. The trailing-12-month volume represents 2.1% 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 24% timely-response rate against a 10% 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 13 states, led by California with 71 and Florida with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 37.1/100 places Diversified Acceptance Corporation in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
2.1% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
24%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
F
37.1/100 composite
Response-quality profile
How Diversified Acceptance Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 24.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Diversified Acceptance Corporation compare to its peers?
Diversified 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)
2020-03 2025-05
Top Consumer Issues
Attempts to collect debt not owed31 (%)
False statements or representation11 (%)
Cont'd attempts collect debt not owed18 (%)
Written notification about debt13 (%)
Took or threatened to take negative or legal action7 (%)
Disclosure verification of debt5 (%)
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 | 17 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Cont'd attempts collect debt not owed | Debt was paid | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Diversified Acceptance Corporation come from?
The states where consumers have filed the most CFPB complaints against Diversified Acceptance Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Diversified Acceptance Corporation
Across 13 states with at least one filing
- California
California
71 complaints
- Florida 6
Florida
6 complaints
- Texas 3
Texas
3 complaints
- New Jersey 3
New Jersey
3 complaints
- Virginia 2
Virginia
2 complaints
- Oregon 2
Oregon
2 complaints
- North Carolina 1
North Carolina
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Diversified Acceptance Corporation? ▼
The most common issue consumers report about Diversified Acceptance Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 95 complaints filed with the CFPB.
Are complaints against Diversified Acceptance Corporation increasing or decreasing? ▼
Complaints against Diversified Acceptance Corporation are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Diversified Acceptance Corporation's reputation grade? ▼
Diversified Acceptance Corporation has a reputation grade of F (score: 37.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Diversified Acceptance Corporation respond to consumer complaints? ▼
Diversified Acceptance Corporation has a 24% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does Diversified Acceptance Corporation operate? ▼
Diversified Acceptance Corporation has received CFPB complaints from consumers in 13 states, with the most complaints from California (71 complaints).
What can I do if Diversified 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 Diversified 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 |