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 2026-05-15
- 256
- Total complaints
- 0
- Last 12 months
- 99.2%
- Timely response
- 40
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Atlantic Credit & Finance, Inc. has accumulated 256 complaints, placing it #778 by volume. 99.2% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #778
- of 3,848 companies by volume
- 99.2%
- answered on time
- Debt collection
- most-complained product
- 40
- states with complaints
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.
99.2% of CFPB-forwarded complaints against Atlantic Credit & Finance, Inc. get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. In 5% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~256)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.