CFPB Consumer Complaint Profile
American Collections Enterprise, Inc.
Behind the 404 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 404
- Total complaints
- Above average
- 26
- Last 12 months
- 98%
- Timely response
- Below median
- 29
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, American Collections Enterprise, Inc. sits at #570, with 404 complaints logged. On-time replies land at 98%, the 48th percentile for the 100+ complaint peer group.
- #570
- of 3,843 companies by volume
- 98%
- on time (48th pctile)
- Debt collection
- most-complained product
- 29
- states with complaints
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 Collections Enterprise, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98% Around the middle higher than 48% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 40 |
| 2015 | 38 |
| 2016 | 28 |
| 2017 | 23 |
| 2018 | 17 |
| 2019 | 27 |
| 2020 | 44 |
| 2021 | 49 |
| 2022 | 40 |
| 2023 | 28 |
| 2024 | 26 |
| 2025 | 35 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Collections Enterprise, Inc.
404 complaints against American Collections Enterprise, Inc. appear in the CFPB record, including 26 from the trailing year. The 29 states and territories represented put this footprint in multi-regional territory. 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.
CFPB-forwarded complaints against American Collections Enterprise, Inc. draw a 98% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 27.5% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
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.
Frequently Asked Questions
How many CFPB complaints does American Collections Enterprise, Inc. have?
The CFPB has logged 404 complaints against American Collections Enterprise, Inc. to date, of which 26 came in over the last 12 months.
Does American Collections Enterprise, Inc. respond to complaints on time?
CFPB complaints against American Collections Enterprise, Inc. draw a 98% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for American Collections Enterprise, Inc.?
The most complained-about product for American Collections Enterprise, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with American Collections Enterprise, Inc.?
The most common issue reported by consumers about American Collections Enterprise, 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 Collections Enterprise, Inc.?
You can file a complaint against American Collections Enterprise, 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 Collections Enterprise, Inc.?
American Collections Enterprise, Inc. has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Collections Enterprise, 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 (27.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.