CFPB · Single-product concentration
American Credit Exchange, Inc
7 CFPB complaints · 71.4% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
American Credit Exchange, Inc: 71.4% of 7 CFPB complaints sit in "Debt collection". Timely 71.4% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company american-credit-exchange-inc
0% relief · 71.4% timely · 7 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
American Credit Exchange, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
American Credit Exchange, Inc complaint mix by product
- Debt collection 5 71.4% – 0% relief
- Credit reporting 1 14.3% – 0% relief
- Student loan 1 14.3% – 0% relief
How American Credit Exchange, Inc's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Credit reporting | 1 |
| Student loan | 1 |
Where American Credit Exchange, Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 28.6% of this company's filings
American Credit Exchange, Inc complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| NY | 2 |
| MD | 1 |
| FL | 1 |
| NV | 1 |
| ND | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 3 |
| Attempts to collect debt not owed | 2 |
| Incorrect information on credit report | 1 |
| Dealing with my lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 1 | 100% |
| 2024 | 1 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
American Credit Exchange, Inc filings cluster in one product
American Credit Exchange, Inc's 7 logged complaints stay concentrated: only 6 states show a filing. Only 14.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-05-16.
American Credit Exchange, Inc answers 71.4% of complaints inside the CFPB's tracked window and closes 57.1% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Cont'd attempts collect debt not owed."
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 Exchange, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Credit Exchange, Inc: 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: 7.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 71.4%.
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 Exchange, Inc (71.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration