CFPB Consumer Complaint Profile
American Cycle Finance, Inc.
What 26 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
- 26
- Total complaints
- Mid-range
- 4
- Last 12 months
- 88.5%
- Timely response
- Bottom quartile
- 13
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, American Cycle Finance, Inc. has accumulated 26 complaints, placing it #2538 by volume. On-time replies land at 88.5%, the 16th percentile for the 100+ complaint peer group.
- #2538
- of 3,843 companies by volume
- 88.5%
- on time (16th pctile)
- Credit reporting, cr…
- most-complained product
- 13
- 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 Cycle Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88.5% 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
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 |
|---|---|
| 2018 | 1 |
| 2021 | 3 |
| 2022 | 5 |
| 2023 | 3 |
| 2024 | 7 |
| 2025 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Cycle Finance, Inc.
26 complaints against American Cycle Finance, Inc. appear in the CFPB record, including 4 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. "Credit reporting, credit repair services, or other personal consumer reports" 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 "Improper use of your report," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against American Cycle Finance, Inc. draw a 88.5% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Among resolved complaints, 11.5% 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 Cycle Finance, Inc. have?
The CFPB has logged 26 complaints against American Cycle Finance, Inc. to date, of which 4 came in over the last 12 months.
Does American Cycle Finance, Inc. respond to complaints on time?
American Cycle Finance, Inc.'s CFPB timely-response rate is 88.5%.
What product generates the most complaints for American Cycle Finance, Inc.?
Among all products tied to American Cycle Finance, Inc., "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 Cycle Finance, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against American Cycle Finance, Inc. - see all issues and counts above.
How do I file a complaint against American Cycle Finance, Inc.?
You can file a complaint against American Cycle Finance, Inc. 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 Cycle Finance, Inc.?
American Cycle Finance, Inc. has drawn CFPB complaints from 13 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.
Also handles Credit reporting, credit repair services, or other personal consumer reports
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.