CFPB Consumer Complaint Profile
American Credit - Credit Repair Centers
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
- 11
- Total complaints
- Below average
- 2
- Last 12 months
- 100%
- Timely response
- Top decile
- 3
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, American Credit - Credit Repair Centers places #3589 by volume. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Credit reporting, cr…
- 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 Credit - Credit Repair Centers vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2022 | 5 |
| 2023 | 3 |
| 2024 | 1 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Credit - Credit Repair Centers
American Credit - Credit Repair Centers draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. The specific issue named most within that category is "Confusing or misleading advertising or marketing," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. 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.
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does American Credit - Credit Repair Centers have?
American Credit - Credit Repair Centers has 11 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does American Credit - Credit Repair Centers respond to complaints on time?
CFPB complaints against American Credit - Credit Repair Centers draw a 100% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for American Credit - Credit Repair Centers?
Among all products tied to American Credit - Credit Repair Centers, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with American Credit - Credit Repair Centers?
Consumers most often cite "Confusing or misleading advertising or marketing" when complaining about American Credit - Credit Repair Centers; the full issue list with counts is above.
How do I file a complaint against American Credit - Credit Repair Centers?
You can file a complaint against American Credit - Credit Repair Centers 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 - Credit Repair Centers?
American Credit - Credit Repair Centers has drawn CFPB complaints from 3 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.