CFPB Consumer Complaint Profile
American Cycle Finance, Inc.
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
- 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. places #2538 by volume. For answering complaints on time it stands at the 16th percentile in the 100+ complaint peer group.
- Credit reporting, cr…
- most-complained product
- TX
- 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 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
Reading this profile
Source: CFPB Consumer Complaint Database
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.
In the CFPB record, American Cycle Finance, Inc. has a geographically concentrated complaint footprint. "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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. 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 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.