CFPB Consumer Complaint Profile
Commercial Acceptance Company
Consumers have filed 351 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
- 351
- Total complaints
- 89
- Last 12 months
- 94.3%
- Timely response
- 22
- States affected
The verdict
351 CFPB complaints put Commercial Acceptance Company at #629 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 94.3%, ahead of the 93% median among companies with 100+ complaints.
- #629
- of 3,848 companies by volume
- 94.3%
- answered on time
- Debt collection
- most-complained product
- 22
- 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 |
|---|---|
| 2014 | 12 |
| 2015 | 9 |
| 2016 | 11 |
| 2017 | 7 |
| 2018 | 14 |
| 2019 | 13 |
| 2020 | 28 |
| 2021 | 35 |
| 2022 | 29 |
| 2023 | 37 |
| 2024 | 53 |
| 2025 | 80 |
| 2026 | 23 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Commercial Acceptance Company
351 complaints against Commercial Acceptance Company appear in the CFPB record, including 89 from the trailing year. The 22 states and territories represented put this footprint in multi-regional territory. 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.
Commercial Acceptance Company's timely response rate stands at 94.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. In 23.5% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 Commercial Acceptance Company have?
The CFPB has logged 351 complaints against Commercial Acceptance Company to date, of which 89 came in over the last 12 months.
Does Commercial Acceptance Company respond to complaints on time?
Commercial Acceptance Company has a 94.3% timely response rate to CFPB complaints.
What product generates the most complaints for Commercial Acceptance Company?
The most complained-about product for Commercial Acceptance Company is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Commercial Acceptance Company?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Commercial Acceptance Company; the full issue list with counts is above.
How do I file a complaint against Commercial Acceptance Company?
You can file a complaint against Commercial Acceptance Company 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 Commercial Acceptance Company?
Consumers in 22 states and territories have filed complaints about Commercial Acceptance Company 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.
Similar complaint volume (~351)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.