CFPB Consumer Complaint Profile
American Capital Enterprises, Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 101
- Total complaints
- Mid-range
- 0
- Last 12 months
- 92.1%
- Timely response
- Bottom quartile
- 8
- States affected
The verdict
By CFPB complaint volume, American Capital Enterprises, Inc. is #1327 out of 3,843 financial companies. On response speed it sits at the 21st percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
American Capital Enterprises, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.1% Among the lowest higher than 21% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for American Capital Enterprises, Inc.
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for American Capital Enterprises, Inc., with consumers across the country filing against it. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Capital Enterprises, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (13.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does American Capital Enterprises, Inc. have?
American Capital Enterprises, Inc. has 101 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does American Capital Enterprises, Inc. respond to complaints on time?
CFPB complaints against American Capital Enterprises, Inc. draw a 92.1% timely-response rate inside the expected window.
What product generates the most complaints for American Capital Enterprises, Inc.?
"Debt collection" draws more CFPB complaints against American Capital Enterprises, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with American Capital Enterprises, Inc.?
The most common issue reported by consumers about American Capital Enterprises, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against American Capital Enterprises, Inc.?
You can file a complaint against American Capital Enterprises, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about American Capital Enterprises, Inc.?
The CFPB has recorded complaints against American Capital Enterprises, Inc. from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.