American Capital Enterprises, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-AMERICAN-CAPITAL-E American Capital Enterprises, Inc.
91 DC complaints · rank #624/656 · 92.1% timely
- DC 91
- RANK #624/656
- TIMELY 92.1%
- RELIEF 1%
- DISPUTE 13.3%
- STATES 8
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Second Alliance, Inc.
Volume peers
Photo peer: Second Alliance, Inc. (91)
American Capital Enterprises, Inc.'s 91 debt-collection complaints sit next to Second Alliance, Inc. (91) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for American Capital Enterprise… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 8 |
| 2015 | 6 |
| 2016 | 10 |
| 2017 | 10 |
| 2018 | 14 |
| 2019 | 5 |
| 2020 | 14 |
| 2021 | 19 |
| 2022 | 12 |
| 2023 | 2 |
| 2024 | 1 |
Complaints by State (Top 15)
What the CFPB Record Shows for American Capital Enterprises, Inc.
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, American Capital Enterprises, Inc. ranks #624 of 656 debt collectors by debt-collection complaint volume (5th percentile), using the same dc_complaints sort as the Collectors directory. American Capital Enterprises, Inc. has 91 debt-collection complaints on file with the CFPB, which represents 90.1% of the 101 total complaints the Bureau has received about this entity. Reports have originated from consumers in 8 states and territories, making this a geographically focused collection operation as measured by complaint volume. Consumers most frequently describe "Medical debt" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 92.1%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is under the 95% benchmark collectors are expected to hit, often a precursor to higher dispute rates. Among resolved cases, 1% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. Consumers formally disputed the company's response in 13.3% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for American Capital Enterprises, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for American Capital Enterprises, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (91 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (13.3% here).
Frequently asked questions
How many CFPB debt-collection complaints does American Capital Enterprises, Inc. have?
91 debt-collection complaints name American Capital Enterprises, Inc. in this CFPB extract - corpus rank #624/656.
Does American Capital Enterprises, Inc. respond to CFPB complaints on time?
CFPB complaints against American Capital Enterprises, Inc. show a 92.1% timely-response rate.
What issue do consumers cite most about American Capital Enterprises, Inc.?
The most-cited issue in complaints about American Capital Enterprises, Inc. is "Attempts to collect debt not owed."
How should I read American Capital Enterprises, Inc.'s CFPB complaint record?
Treat the counts as a public complaint record, not a credit score or legal finding. Pair this page with PlainCredit guides on debt-collection rights and how to file a CFPB complaint if you have an active dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.