CFPB Consumer Complaint Profile
Atlantic Credit & Finance, Inc.
Consumers have filed 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. places #776 by volume. For answering complaints on time it stands at the 64th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- CA
- 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.
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).
Reading this profile
Source: CFPB Consumer Complaint Database
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. draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. 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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. 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.
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.
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.