CFPB · Slower timely-response band
American Credit Acceptance, LLC
3.8K CFPB complaints · 89.5% timely (slow band) · top issue Incorrect information on your report.
American Credit Acceptance, LLC answers 89.5% on time (lower third) across 3.8K filings. Relief 4.7% · top product Vehicle loan or lease. Allegations, not findings.
- Volume rank #141 of 342
- Slower timely-response band
- +6045.5% filings 2013 to 2026
CFPB relief outcome brief
CCDB company american-credit-acceptance-llc
4.7% relief · 89.5% timely · 3.8K filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Credit Concepts, Inc. (4.7% relief)
American Credit Acceptance, LLC closes 4.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Credit Acceptance, LLC's 3.8K filings include narrative text
42.9% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American Credit Acceptance, LLC complaint mix by product
- Vehicle loan 1K 39.8% – 4% relief
- Credit reporting 1K 28.6% – 1% relief
- Debt collection 554 14.8% – 3% relief
- Credit reporting, 473 12.7% – 14% relief
- Consumer Loan 134 3.6% – 19% relief
- Payday loan, 12 0.3% – 8% relief
- Credit card 8 0.2% – 25% relief
How American Credit Acceptance, LLC's 3.8K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 1.5K |
| Credit reporting or other personal consumer reports | 1.1K |
| Debt collection | 554 |
| Credit reporting, credit repair services, or other personal consumer reports | 473 |
| Consumer Loan | 134 |
| Payday loan, title loan, or personal loan | 12 |
| Credit card or prepaid card | 8 |
| Payday loan, title loan, personal loan, or advance loan | 6 |
| Checking or savings account | 5 |
| Money transfer, virtual currency, or money service | 4 |
| Credit card | 4 |
| Prepaid card | 2 |
| Debt or credit management | 1 |
| Credit reporting | 1 |
Nationwide filing states for American Credit Acceptance, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15.2% of this company's filings
American Credit Acceptance, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 676
- +6045.5% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 572 |
| FL | 477 |
| GA | 386 |
| CA | 350 |
| NC | 219 |
| IL | 169 |
| MD | 146 |
| PA | 119 |
| VA | 105 |
| SC | 100 |
| AL | 87 |
| OH | 87 |
| TN | 84 |
| AZ | 75 |
| NV | 69 |
| MS | 67 |
| LA | 62 |
| MI | 51 |
| NY | 48 |
| NJ | 44 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 740 |
| Improper use of your report | 608 |
| Managing the loan or lease | 554 |
| Repossession | 297 |
| Struggling to pay your loan | 225 |
| Problem with a company's investigation into an existing problem | 224 |
| Attempts to collect debt not owed | 192 |
| Getting a loan or lease | 166 |
| Took or threatened to take negative or legal action | 150 |
| Problems at the end of the loan or lease | 145 |
| Problem with a credit reporting company's investigation into an existing problem | 107 |
| Written notification about debt | 89 |
| False statements or representation | 82 |
| Problems when you are unable to pay | 32 |
| Taking out the loan or lease | 25 |
| Communication tactics | 19 |
| Credit monitoring or identity theft protection services | 17 |
| Unable to get your credit report or credit score | 13 |
| Cont'd attempts collect debt not owed | 11 |
| Shopping for a loan or lease | 9 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 11 | 100% |
| 2014 | 21 | 100% |
| 2015 | 40 | 97.5% |
| 2016 | 59 | 98.3% |
| 2017 | 95 | 97.9% |
| 2018 | 99 | 100% |
| 2019 | 125 | 97.6% |
| 2020 | 166 | 98.2% |
| 2021 | 222 | 92.8% |
| 2022 | 281 | 88.3% |
| 2023 | 389 | 92% |
| 2024 | 554 | 82.9% |
| 2025 | 1.0K | 79.4% |
| 2026 | 676 | 100% |
Source: CFPB Consumer Complaint Database
American Credit Acceptance, LLC in the slower-timely third
American Credit Acceptance, LLC's 3,755 logged complaints reach a nationwide footprint - 50 states have at least one filing. 42.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-25. Timely response 89.5% sits in the lower third of the corpus.
American Credit Acceptance, LLC answers 89.5% of complaints inside the CFPB's tracked window (timely band: slow) and closes 4.7% with relief; 89.5% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Vehicle loan or lease" · top issue "Incorrect information on your report."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about American Credit Acceptance, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Credit Acceptance, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.8K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 89.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for American Credit Acceptance, LLC (#141 of 342; 89.5% timely; 4.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band