CFPB Consumer Complaint Profile
American Credit Financial
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
- 27
- Total complaints
- Mid-range
- 0
- Last 12 months
- 88.9%
- Timely response
- Bottom quartile
- 16
- States affected
The verdict
By CFPB complaint volume, American Credit Financial is #2473 out of 3,843 financial companies. For answering complaints on time it stands at the 16th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- OH
- 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 Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88.9% Among the lowest higher than 16% 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 |
|---|---|
| 2016 | 7 |
| 2017 | 7 |
| 2018 | 6 |
| 2019 | 5 |
| 2020 | 1 |
| 2021 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Credit Financial
The CFPB Consumer Complaint Database shows a multi-regional complaint footprint for American Credit Financial, with consumers across the country filing against it. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "False statements or representation," 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 sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates 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 Financial: 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 (14.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does American Credit Financial have?
American Credit Financial has 27 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does American Credit Financial respond to complaints on time?
American Credit Financial's CFPB timely-response rate is 88.9%.
What product generates the most complaints for American Credit Financial?
Among all products tied to American Credit Financial, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with American Credit Financial?
The most common issue reported by consumers about American Credit Financial is "False statements or representation." All complaint issues are listed above with their counts.
How do I file a complaint against American Credit Financial?
You can file a complaint against American Credit Financial 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 Financial?
The CFPB has recorded complaints against American Credit Financial from 16 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.