Atlantic Credit & Finance, Inc.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 23 |
| 2015 | 43 |
| 2016 | 52 |
| 2017 | 49 |
| 2018 | 62 |
| 2019 | 22 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Atlantic Credit & Finance, Inc.
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Atlantic Credit & Finance, Inc. have?
235 debt-collection complaints against Atlantic Credit & Finance, Inc. appear in the CFPB record - 91.8% of the company's total complaint volume.
Does Atlantic Credit & Finance, Inc. respond to complaints on time?
Atlantic Credit & Finance, Inc. has a 99.2% timely response rate. That puts it among the more responsive collectors in the CFPB dataset.
Does Atlantic Credit & Finance, Inc. provide relief to consumers?
74.6% of resolved complaints against Atlantic Credit & Finance, Inc. were closed with some form of consumer relief (monetary or non-monetary). This is a relatively high relief rate.
What type of debt does Atlantic Credit & Finance, Inc. primarily collect?
Based on CFPB complaint records, Atlantic Credit & Finance, Inc.'s primary debt type is "Credit card"; the complete breakdown is shown above.
What rights do I have against Atlantic Credit & Finance, Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Atlantic Credit & Finance, Inc. active?
Consumers in 40 states and territories have filed CFPB complaints against Atlantic Credit & Finance, Inc..
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.