CFPB · Single-product concentration
American Credit Financial
27 CFPB complaints · 85.2% in "Debt collection" · top issue False statements or representation.
American Credit Financial: 85.2% of 27 CFPB complaints sit in "Debt collection". Timely 88.9% · relief 0%. Allegations, not findings.
- Single-product concentration
- -85.7% filings 2016 to 2021
CFPB relief outcome brief
CCDB company american-credit-financial
0% relief · 88.9% timely · 27 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
American Credit Financial closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Credit Financial's 27 filings include narrative text
59.3% 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 Financial complaint mix by product
- Debt collection 23 85.2% – 0% relief
- Payday loan 2 7.4% – 0% relief
- Payday loan, 2 7.4% – 0% relief
How American Credit Financial's 27 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 23 |
| Payday loan | 2 |
| Payday loan, title loan, or personal loan | 2 |
Where American Credit Financial complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 18.5% of this company's filings
American Credit Financial falling annual filings
Annual filing volume from the CFPB public database
- 2021
- 1
- -85.7% vs 2016
Top States
| State | Complaints |
|---|---|
| OH | 5 |
| CA | 5 |
| TX | 2 |
| TN | 2 |
| AZ | 1 |
| MO | 1 |
| NY | 1 |
| IN | 1 |
| SC | 1 |
| FL | 1 |
| MI | 1 |
| LA | 1 |
| ND | 1 |
| OK | 1 |
| NC | 1 |
| VA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| False statements or representation | 7 |
| Took or threatened to take negative or legal action | 7 |
| Communication tactics | 3 |
| Attempts to collect debt not owed | 2 |
| Written notification about debt | 2 |
| Cont'd attempts collect debt not owed | 1 |
| Can't contact lender | 1 |
| Taking/threatening an illegal action | 1 |
| Charged fees or interest I didn't expect | 1 |
| Charged fees or interest you didn't expect | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 7 | 57.1% |
| 2017 | 7 | 100% |
| 2018 | 6 | 100% |
| 2019 | 5 | 100% |
| 2020 | 1 | 100% |
| 2021 | 1 | 100% |
Source: CFPB Consumer Complaint Database
American Credit Financial filings cluster in one product
American Credit Financial's 27 logged complaints stay concentrated: only 16 states show a filing. 59.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2021-07-21.
American Credit Financial answers 88.9% of complaints inside the CFPB's tracked window and closes 100% 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 "False statements or representation."
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 Financial.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Credit Financial: 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: 27.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.9%.
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 Financial (88.9% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration