CFPB Consumer Complaint Profile
American Credit Adjusters
What 19 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 19
- Total complaints
- 0
- Last 12 months
- 94.7%
- Timely response
- 15
- States affected
The verdict
19 CFPB complaints put American Credit Adjusters at #2939 out of 3,848 financial companies ranked by complaint volume. It answers 94.7% of complaints on time - above the 93% median for companies with 100+ complaints.
- #2939
- of 3,848 companies by volume
- 94.7%
- answered on time
- Debt collection
- most-complained product
- 15
- states with complaints
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 |
|---|---|
| 2015 | 13 |
| 2016 | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Credit Adjusters
19 complaints against American Credit Adjusters appear in the CFPB record, including 0 from the trailing year. The 15 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
American Credit Adjusters's timely response rate stands at 94.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 15.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Credit Adjusters have?
American Credit Adjusters has 19 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does American Credit Adjusters respond to complaints on time?
94.7% of the CFPB complaints against American Credit Adjusters get a response within the expected window.
What product generates the most complaints for American Credit Adjusters?
Among all products tied to American Credit Adjusters, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with American Credit Adjusters?
The most common issue reported by consumers about American Credit Adjusters is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against American Credit Adjusters?
You can file a complaint against American Credit Adjusters 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 Adjusters?
American Credit Adjusters has drawn CFPB complaints from 15 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~19)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.