CFPB Consumer Complaint Profile

AmeriCollect

Behind the 2,355 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

2,355
Total complaints
345
Last 12 months
99.7%
Timely response
50
States affected

The verdict

2,355 CFPB complaints put AmeriCollect at #190 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 99.7%, ahead of the 93% median among companies with 100+ complaints.

#190
of 3,848 companies by volume
99.7%
answered on time
Debt collection
most-complained product
50
states with complaints
AmeriCollect timely response rate 99.7%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 1,116
Debt collection - I do not know 467
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 304
Debt collection - Medical 185
Credit reporting or other personal consumer reports - Credit reporting 116
Debt collection - Other debt 100
Debt collection - Credit card debt 25
Debt collection - Other (i.e. phone, health club, etc.) 17
Debt collection - Telecommunications debt 4
Debt or credit management - Debt settlement 4

Top Issues

1.Attempts to collect debt not owed 767
2.Written notification about debt 500
3.Incorrect information on your report 209
4.False statements or representation 174
5.Took or threatened to take negative or legal action 134
6.Communication tactics 130
7.Problem with a credit reporting company's investigation into an existing problem 104
8.Cont'd attempts collect debt not owed 99
9.Improper use of your report 85
10.Disclosure verification of debt 59

Complaints by Year

Year Complaints
2013 2
2014 28
2015 56
2016 86
2017 139
2018 167
2019 163
2020 253
2021 413
2022 307
2023 162
2024 151
2025 363
2026 65

Complaints by State (Top 15)

Florida 470
Wisconsin 364
Georgia 298
Texas 188
New Jersey 99
Michigan 97
Illinois 94
Pennsylvania 82
Missouri 70
Indiana 66
North Carolina 66
South Carolina 58
Washington 48
Nevada 44
Ohio 42

Company Responses

Closed with explanation 2,329
Closed with non-monetary relief 25
Closed with monetary relief 1

What the CFPB Complaint Record Shows for AmeriCollect

AmeriCollect carries 2,355 complaints in the CFPB's database, 345 of them filed within the past 12 months. Consumers spanning 50 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

AmeriCollect's timely response rate stands at 99.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 25.4% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 1.1% 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 AmeriCollect have?

2,355 complaints have been filed against AmeriCollect with the CFPB overall - 345 of them in the past year.

Does AmeriCollect respond to complaints on time?

AmeriCollect's CFPB timely-response rate is 99.7%. That is a strong response record by CFPB standards.

What product generates the most complaints for AmeriCollect?

Among all products tied to AmeriCollect, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with AmeriCollect?

The most common issue reported by consumers about AmeriCollect is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against AmeriCollect?

You can file a complaint against AmeriCollect 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 AmeriCollect?

Consumers in 50 states and territories have filed complaints about AmeriCollect 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.