Diversified Acceptance Corporation
A federal complaint-record lookup, not a rating from us.
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 | 8 |
| 2015 | 12 |
| 2016 | 9 |
| 2017 | 10 |
| 2018 | 4 |
| 2019 | 10 |
| 2020 | 16 |
| 2021 | 18 |
| 2022 | 11 |
| 2023 | 1 |
| 2025 | 3 |
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 Diversified Acceptance Corporation
The CFPB has logged 95 debt-collection complaints against Diversified Acceptance Corporation, 93.1% of the 102 complaints filed against this entity overall. Consumers in 13 states and territories have filed reports, putting this collection operation in geographically focused territory by complaint volume. "Medical debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 24.5%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. 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. Consumers formally disputed the company's response in 9.7% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
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 Diversified Acceptance Corporation have?
95 debt-collection complaints against Diversified Acceptance Corporation appear in the CFPB record - 93.1% of the company's total complaint volume.
Does Diversified Acceptance Corporation respond to complaints on time?
Diversified Acceptance Corporation has a 24.5% timely response rate. That falls well short of the 95% benchmark most collectors clear.
Does Diversified Acceptance Corporation provide relief to consumers?
0% of resolved complaints against Diversified Acceptance Corporation were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Diversified Acceptance Corporation primarily collect?
Based on CFPB complaint records, Diversified Acceptance Corporation's primary debt type is "Medical debt"; the complete breakdown is shown above.
What rights do I have against Diversified Acceptance Corporation?
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 Diversified Acceptance Corporation active?
Diversified Acceptance Corporation has received consumer complaints from 13 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.