What is the most common complaint against Empire Acceptance Company, Inc.?

The most common issue consumers report about Empire Acceptance Company, Inc. is "False statements or representation", specifically "Indicated you were committing crime by not paying debt". This is based on 1 complaints filed with the CFPB.

Are complaints against Empire Acceptance Company, Inc. increasing or decreasing?

Complaints against Empire Acceptance Company, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Empire Acceptance Company, Inc.'s reputation grade?

Empire Acceptance Company, Inc. has a reputation grade of A (score: 80.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Empire Acceptance Company, Inc. respond to consumer complaints?

Empire Acceptance Company, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Empire Acceptance Company, Inc. operate?

Empire Acceptance Company, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Georgia (1 complaints).

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

Empire Acceptance Company, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record empire-acceptance-company-inc Empire Acceptance Company, Inc.

Grade A · 1 CFPB filings · 100% timely · lead issue: False statements or representation · vol #4748 · compose #414

VOL 1
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE False statements or repres…
RANK #4,748
COMPOSE #414

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Empire Acceptance Company, Inc.'s 1 CFPB complaints sit next to 245 Holdings LLC 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 →

State-heavy filing map

100.0% of Empire Acceptance Company, Inc.'s CFPB filings land in Georgia

High volume does not equal a clean composite: Empire Acceptance Company, Inc. is volume #4,748 but composite #414, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2013-09 50.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,748 volume; #414 composite; Cleanest-composite ladder is 4,334 places better than volume

How does Empire Acceptance Company, Inc. compare to its peers?

How does Empire Acceptance Company, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Empire Acceptance Comp… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-09 2017-05

Issue Detail Breakdown

Issue	Complaints
False statements or representation	1

Where do complaints against Empire Acceptance Company, Inc. come from?

Empire Acceptance Company, Inc.'s own per-state count, not a national baseline.

Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Empire Acceptance Company, Inc.: 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: 1.

4 peers

Know your rights before responding to Empire Acceptance Company, Inc.: 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.