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

CFPB complaint data Grade C 96 complaints

Great American Finance Co - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade C.

Complaints by issue type

What consumers report about Great American Finance Co

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Great American Finance Co ranks ahead of 41% of the 5,283 collectors PlainCollector grades - 59% keep a cleaner CFPB record, on 96 all-time complaints and a 91% timely-response rate.

41st pct
reputation rank of 5,283 graded collectors
96
CFPB complaints, all-time
91%
answered inside the CFPB window
26
in the last 12 months (stable)

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 Great American Finance Co?

Great American Finance Co has accumulated 96 total CFPB complaints across 18 states, with 26 filed in the most recent 12 months against 70 historical complaints before that window. The trailing-12-month volume represents 27.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

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 91% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 18 states, led by Illinois with 18 and California with 14. Normalized against the full CFPB collector database, the reputation score of 59.5/100 places Great American Finance Co in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

96

low-volume (CCDB)

Last 12 months

26

27.1% of all-time complaints

Stable →

States active

18

regional footprint

Timely response rate

91%

good band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

C

59.5/100 composite

How does Great American Finance Co's reputation rank nationally?

Reputation score vs. every graded collector

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

59 41st percentile higher than 41% 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%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Great American Finance Co versus the debt-collection vertical average.

Timely response within SLA 91.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 32.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Great American Finance Co compare to its peers?

How does Great American Finance Co compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Great American Finance… National average
Complaints (last 12 mo)lower is better
26
26
268
Timely-response ratehigher is better
91%
100%
91%
Consumer-dispute ratelower is better
17%
100%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 36
Took or threatened to take negative or legal action - 13
Communication tactics - 13
False statements or representation - 11
Written notification about debt - 8
Cont'd attempts collect debt not owed - 5
Threatened to contact someone or share information improperly - 5
Improper contact or sharing of info - 2
Electronic communications - 2
Taking/threatening an illegal action - 1

Where do complaints against Great American Finance Co come from?

Great American Finance Co's own per-state count, not a national baseline.

Top states by complaints against Great American Finance Co

Across 18 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Great American Finance Co contacts you

A grade of C signals how Great American Finance Co'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 Great American Finance Co 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 Great American Finance Co 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 Great American Finance Co? ▼

The most common issue consumers report about Great American Finance Co is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 96 complaints filed with the CFPB.

Are complaints against Great American Finance Co increasing or decreasing? ▼

Complaints against Great American Finance Co have been stable. The company received 26 complaints in the last 12 months.

What is Great American Finance Co's reputation grade? ▼

Great American Finance Co has a reputation grade of C (score: 59.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Great American Finance Co respond to consumer complaints? ▼

Great American Finance Co has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Great American Finance Co operate? ▼

Great American Finance Co has received CFPB complaints from consumers in 18 states, with the most complaints from Illinois (18 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.