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 2026-08-14
- 19
- Total complaints
- Below average
- 0
- Last 12 months
- 94.7%
- Timely response
- Below median
- 15
- States affected
The verdict
19 CFPB complaints put American Credit Adjusters at #2935 out of 3,843 financial companies ranked by complaint volume. It posts a 94.7% on-time response rate, the 28th percentile among companies with 100+ complaints.
- #2935
- of 3,843 companies by volume
- 94.7%
- on time (28th pctile)
- Debt collection
- most-complained product
- 15
- 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 Credit Adjusters vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.7% Around the middle higher than 28% 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 |
|---|---|
| 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. Resolved cases drew a formal consumer-dispute rate of 15.8% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 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, 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 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?
CFPB complaints against American Credit Adjusters draw a 94.7% timely-response rate inside 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Credit Adjusters: 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 (15.8% 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.