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

CFPB complaint data Grade F 98 complaints

Diversified Acceptance Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade F.

Complaints by issue type

What consumers report about Diversified Acceptance Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 37.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Diversified Acceptance Corporation ranks ahead of 2% of the 5,283 collectors PlainCollector grades - 98% keep a cleaner CFPB record, on 98 all-time complaints and a 24% timely-response rate.

2nd pct
reputation rank of 5,283 graded collectors
98
CFPB complaints, all-time
24%
answered inside the CFPB window
3
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Diversified Acceptance Corporation?

Diversified Acceptance Corporation has accumulated 98 total CFPB complaints across 13 states, with 3 filed in the most recent 12 months against 95 historical complaints before that window. The trailing-12-month volume represents 3.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 24% timely-response rate against a 10% consumer-dispute-after-response rate.

Complaints have been recorded across 13 states, led by California with 71 and Florida with 6. Normalized against the full CFPB collector database, the reputation score of 37.1/100 places Diversified Acceptance Corporation in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

98

low-volume (CCDB)

Last 12 months

3

3.1% of all-time complaints

Falling ↓

States active

13

regional footprint

Timely response rate

24%

below sla band

Consumer disputes

10%

low (vertical avg ~19%)

Reputation grade

F

37.1/100 composite

How does Diversified Acceptance Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

37 Bottom 2% higher than 2% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Diversified Acceptance Corporation versus the debt-collection vertical average.

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) 9.7%
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?

How does Diversified Acceptance Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Diversified Acceptance… National average
Complaints (last 12 mo)lower is better
3
19
268
Timely-response ratehigher is better
24%
97%
91%
Consumer-dispute ratelower is better
10%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-05 2023-05

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 32
Cont'd attempts collect debt not owed - 18
Written notification about debt - 14
False statements or representation - 12
Took or threatened to take negative or legal action - 9
Disclosure verification of debt - 7
Communication tactics - 6

Where do complaints against Diversified Acceptance Corporation come from?

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

Top states by complaints against Diversified Acceptance Corporation

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Diversified Acceptance Corporation contacts you

A grade of F signals how Diversified Acceptance Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Diversified Acceptance Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Diversified Acceptance Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 98 complaints filed with the CFPB.

Are complaints against Diversified Acceptance Corporation increasing or decreasing? ▼

Complaints against Diversified Acceptance Corporation are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Diversified Acceptance Corporation's reputation grade? ▼

Diversified Acceptance Corporation has a reputation grade of F (score: 37.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.