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.
- 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 →
Response Quality Score
American Credit Acceptance, LLC scores strongest on timely response (82/100 percentile-benchmarked) and weakest on relief provided (22/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
22 / 100 percentile-benchmarked
4.7% of complaints closed with relief to the consumer
Timely response
82 / 100 percentile-benchmarked
89.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
81 / 100 percentile-benchmarked
89.5% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where American Credit Acceptance, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, American Credit Acceptance, LLC files more complaint volume than 59% of them, and closes complaints with relief more often than 56% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 3,755 · Closed with relief: 4.7%
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