CFPB · Diversified product mix
American Cycle Finance, Inc.
26 CFPB complaints · diversified mix (top product 26.9%) · top issue Improper use of your report.
American Cycle Finance, Inc.: top product "Vehicle loan or lease" is only 26.9% of 26 - multi-bucket mix. Timely 88.5% · relief 11.5%. Allegations, not findings.
- Diversified product mix
- +600% filings 2018 to 2025
CFPB relief outcome brief
CCDB company american-cycle-finance-inc
11.5% relief · 88.5% timely · 26 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Ally Financial Inc. (12.1% relief)
American Cycle Finance, Inc. closes 11.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of American Cycle Finance, Inc.'s 26 filings include narrative text
57.7% 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 Cycle Finance, Inc. complaint mix by product
- Vehicle loan 7 26.9% – 14% relief
- Credit reporting, 7 26.9% – 14% relief
- Credit reporting 5 19.2% – 0% relief
- Debt collection 5 19.2% – 0% relief
- Credit card 1 3.8% – 0% relief
- Payday loan, 1 3.8% – 100% relief
How American Cycle Finance, Inc.'s 26 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 | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 5 |
| Debt collection | 5 |
| Credit card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Where American Cycle Finance, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 30.8% of this company's filings
American Cycle Finance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 7
- +600% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 8 |
| IL | 4 |
| FL | 4 |
| PA | 1 |
| GA | 1 |
| RI | 1 |
| AZ | 1 |
| VA | 1 |
| MO | 1 |
| OH | 1 |
| MA | 1 |
| NY | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 6 |
| Managing the loan or lease | 4 |
| Incorrect information on your report | 3 |
| Struggling to pay your loan | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Attempts to collect debt not owed | 2 |
| Problem when making payments | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Repossession | 1 |
| Took or threatened to take negative or legal action | 1 |
| Written notification about debt | 1 |
| Problems at the end of the loan or lease | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 100% |
| 2021 | 3 | 100% |
| 2022 | 5 | 100% |
| 2023 | 3 | 100% |
| 2024 | 7 | 57.1% |
| 2025 | 7 | 100% |
Source: CFPB Consumer Complaint Database
American Cycle Finance, Inc. spreads across product buckets
American Cycle Finance, Inc.'s 26 logged complaints stay concentrated: only 13 states show a filing. 57.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2025-10-13.
American Cycle Finance, Inc. answers 88.5% of complaints inside the CFPB's tracked window and closes 88.5% with a written explanation. 11.5% 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 "Improper use of 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 Cycle Finance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for American Cycle Finance, 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: 26.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.5%.
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 Cycle Finance, Inc. (88.5% timely; 11.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix