Atlantic Credit & Finance, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
CFPB collection forwarding receipt
Forwarded record DC-ATLANTIC-CREDIT-FI Atlantic Credit & Finance, Inc.
235 DC complaints · rank #333/656 · 99.2% timely
- DC 235
- RANK #333/656
- TIMELY 99.2%
- RELIEF 74.6%
- DISPUTE 5%
- STATES 40
- ISSUE Communication tactics
- RESP Closed with non-monetary re…
- PHOTO Credit Service Internationa…
Volume peers
Photo peer: Credit Service International Corp (235)
Atlantic Credit & Finance, Inc.'s 235 debt-collection complaints sit next to Credit Service International Corp (235) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Atlantic Credit →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 23 |
| 2015 | 43 |
| 2016 | 52 |
| 2017 | 49 |
| 2018 | 62 |
| 2019 | 22 |
Complaints by State (Top 15)
What the CFPB Record Shows for Atlantic Credit & Finance, Inc.
PlainCredit places Atlantic Credit & Finance, Inc. at #333 of 656 debt collectors by CFPB debt-collection complaint volume (49th percentile), matching the Collectors directory ranking. The CFPB has logged 235 debt-collection complaints against Atlantic Credit & Finance, Inc., 91.8% of the 256 complaints filed against this entity overall. Consumers in 40 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. Consumers most frequently describe "Credit card" as the debt type behind their complaint about this collector. The specific issue named most is "Communication tactics," a reasonable starting point for understanding recurring friction with this collector.
99.2% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. Of resolved cases, 74.6% closed with monetary or non-monetary relief to the consumer, which is a relatively high relief ratio for the debt-collection segment. In 5% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
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 Atlantic Credit & Finance, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Atlantic Credit & Finance, 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 (235 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (5% here).
Frequently asked questions
How many CFPB debt-collection complaints does Atlantic Credit & Finance, Inc. have?
235 debt-collection complaints name Atlantic Credit & Finance, Inc. in this CFPB extract - corpus rank #333/656.
Does Atlantic Credit & Finance, Inc. respond to CFPB complaints on time?
Atlantic Credit & Finance, Inc.'s timely response rate on CFPB complaints is 99.2%.
What issue do consumers cite most about Atlantic Credit & Finance, Inc.?
The most-cited issue in complaints about Atlantic Credit & Finance, Inc. is "Communication tactics."
How should I read Atlantic Credit & Finance, Inc.'s CFPB complaint record?
Atlantic Credit & Finance, Inc.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
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.