American Credit Acceptance, LLC
3.8K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About American Credit Acceptance, LLC
American Credit Acceptance, LLC's 3,755 logged complaints reach a nationwide footprint - 50 states have at least one filing on record. 42.9% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-06-25.
American Credit Acceptance, LLC answers 89.5% of complaints inside the CFPB's tracked window and closes 89.5% with a written explanation. 4.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "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.
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.
Frequently Asked Questions
How many CFPB complaints does American Credit Acceptance, LLC have?
3,755, per the CFPB's public complaint count for this company (see the full breakdown above).
Does American Credit Acceptance, LLC respond to complaints on time?
89.5% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about American Credit Acceptance, LLC?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.