CFPB Consumer Complaint Profile
American Financial Credit Services, Inc.
Consumers have filed 14 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
- 14
- Total complaints
- Below average
- 1
- Last 12 months
- 92.9%
- Timely response
- Bottom quartile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, American Financial Credit Services, Inc. has accumulated 14 complaints, placing it #3314 by volume. Its on-time response rate is 92.9%, the 23rd percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 92.9%
- on time (23rd pctile)
- Debt collection
- most-complained product
- 7
- 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 Financial Credit Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92.9% Among the lowest higher than 23% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 1 |
| 2024 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for American Financial Credit Services, Inc.
The CFPB Consumer Complaint Database has logged 14 complaints against American Financial Credit Services, Inc. overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. "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 "Cont'd attempts collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, American Financial Credit Services, Inc. posts a 92.9% reply rate on forwarded complaints. 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 28.6% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Financial Credit Services, Inc. have?
American Financial Credit Services, Inc. has 14 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does American Financial Credit Services, Inc. respond to complaints on time?
American Financial Credit Services, Inc. has a 92.9% timely response rate to CFPB complaints.
What product generates the most complaints for American Financial Credit Services, Inc.?
"Debt collection" draws more CFPB complaints against American Financial Credit Services, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with American Financial Credit Services, Inc.?
"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against American Financial Credit Services, Inc. - see all issues and counts above.
How do I file a complaint against American Financial Credit Services, Inc.?
You can file a complaint against American Financial Credit Services, 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 Financial Credit Services, Inc.?
Consumers in 7 states and territories have filed complaints about American Financial Credit Services, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for American Financial Credit Services, Inc.: 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 (28.6% 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.