Commercial Acceptance Company
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
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 |
|---|---|
| 2014 | 12 |
| 2015 | 9 |
| 2016 | 11 |
| 2017 | 7 |
| 2018 | 14 |
| 2019 | 13 |
| 2020 | 28 |
| 2021 | 35 |
| 2022 | 29 |
| 2023 | 37 |
| 2024 | 53 |
| 2025 | 80 |
| 2026 | 23 |
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 Commercial Acceptance Company
274 debt-collection complaints against Commercial Acceptance Company appear in the CFPB record - 78.1% of the 351 complaints filed about this entity. The 22 states and territories represented make this a multi-state operation by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 94.3%, 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. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. In 23.5% 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 Commercial Acceptance Company have?
Commercial Acceptance Company has 274 debt collection complaints filed with the CFPB, representing 78.1% of all complaints against this company.
Does Commercial Acceptance Company respond to complaints on time?
Commercial Acceptance Company has a 94.3% timely response rate.
Does Commercial Acceptance Company provide relief to consumers?
Commercial Acceptance Company closed 0% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Commercial Acceptance Company primarily collect?
Commercial Acceptance Company primarily collects "Medical debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Commercial Acceptance Company?
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 Commercial Acceptance Company active?
Commercial Acceptance Company has received consumer complaints from 22 states and territories, based on CFPB 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.