CFPB Consumer Complaint Profile
American Credit Acceptance, LLC
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 3,364
- Total complaints
- Among the highest
- 1,068
- Last 12 months
- 88.3%
- Timely response
- Bottom quartile
- 50
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, American Credit Acceptance, LLC places #145 by volume. For answering complaints on time it stands at the 15th percentile in the 100+ complaint peer group.
- Vehicle loan or lease
- most-complained product
- TX
- 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 Credit Acceptance, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88.3% Among the lowest higher than 15% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 554 in 2024 to 1,012 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 11 |
| 2014 | 21 |
| 2015 | 40 |
| 2016 | 59 |
| 2017 | 95 |
| 2018 | 99 |
| 2019 | 125 |
| 2020 | 166 |
| 2021 | 222 |
| 2022 | 281 |
| 2023 | 389 |
| 2024 | 554 |
| 2025 | 1,012 |
| 2026year in progress | 290 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Credit Acceptance, LLC
The CFPB Consumer Complaint Database shows a nationwide complaint footprint for American Credit Acceptance, LLC, with consumers across the country filing against it. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. 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 Credit Acceptance, LLC: 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 complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (11.4% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does American Credit Acceptance, LLC have?
3,364 complaints have been filed against American Credit Acceptance, LLC with the CFPB overall - 1,068 of them in the past year.
Does American Credit Acceptance, LLC respond to complaints on time?
CFPB complaints against American Credit Acceptance, LLC draw a 88.3% timely-response rate inside the expected window.
What product generates the most complaints for American Credit Acceptance, LLC?
The most complained-about product for American Credit Acceptance, LLC is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with American Credit Acceptance, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against American Credit Acceptance, LLC - see all issues and counts above.
How do I file a complaint against American Credit Acceptance, LLC?
You can file a complaint against American Credit Acceptance, LLC 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 Credit Acceptance, LLC?
The CFPB has recorded complaints against American Credit Acceptance, LLC from 50 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.