CFPB Consumer Complaint Profile
Atlantic Credit & Finance, Inc.
Consumers have filed 256 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
- 256
- Total complaints
- Above average
- 0
- Last 12 months
- 99.2%
- Timely response
- Above median
- 40
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Atlantic Credit & Finance, Inc. has accumulated 256 complaints, placing it #776 by volume. On-time replies land at 99.2%, the 64th percentile for the 100+ complaint peer group.
- #776
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Debt collection
- most-complained product
- 40
- 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.
Atlantic Credit & Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.2% Higher than most higher than 64% 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
What changed
CFPB Consumer Complaint Database 2018 to 2019 complete years
- Annual CFPB complaint volume moved from 62 in 2018 to 22 in 2019 (2018 → 2019).
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 | 5 |
| 2014 | 23 |
| 2015 | 43 |
| 2016 | 52 |
| 2017 | 49 |
| 2018 | 62 |
| 2019 | 22 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Atlantic Credit & Finance, Inc.
Atlantic Credit & Finance, Inc. carries 256 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 40 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Atlantic Credit & Finance, Inc. draw a 99.2% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 5% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 74.6% 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 Atlantic Credit & Finance, Inc. have?
Atlantic Credit & Finance, Inc. has 256 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Atlantic Credit & Finance, Inc. respond to complaints on time?
Atlantic Credit & Finance, Inc. has a 99.2% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Atlantic Credit & Finance, Inc.?
Among all products tied to Atlantic Credit & Finance, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Atlantic Credit & Finance, Inc.?
The most common issue reported by consumers about Atlantic Credit & Finance, Inc. is "Communication tactics." All complaint issues are listed above with their counts.
How do I file a complaint against Atlantic Credit & Finance, Inc.?
You can file a complaint against Atlantic Credit & 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 Atlantic Credit & Finance, Inc.?
The CFPB has recorded complaints against Atlantic Credit & Finance, Inc. from 40 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Atlantic Credit & Finance, 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 (5% 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.