CFPB · Single-product concentration
Atlantic Credit & Finance, Inc.
256 CFPB complaints · 91.8% in "Debt collection" · top issue Communication tactics.
Atlantic Credit & Finance, Inc.: 91.8% of 256 CFPB complaints sit in "Debt collection". Timely 99.2% · relief 74.6%. Allegations, not findings.
- Single-product concentration
- +340% filings 2013 to 2019
CFPB relief outcome brief
CCDB company atlantic-credit-finance-inc
74.6% relief · 99.2% timely · 256 filings · Debt collection
Same-product relief peers
Nearest relief peer: Aspen National Financial, Inc. (75.5% relief)
Atlantic Credit & Finance, Inc. closes 74.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Atlantic Credit & Finance, Inc.'s 256 filings include narrative text
40.6% 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.
Atlantic Credit & Finance, Inc. complaint mix by product
- Debt collection 235 91.8% – 75% relief
- Consumer Loan 11 4.3% – 64% relief
- Credit card 4 1.6% – 75% relief
- Credit reporting, 3 1.2% – 67% relief
- Credit reporting 1 0.4% – 100% relief
- Credit card 1 0.4% – 100% relief
- Student loan 1 0.4% – 100% relief
How Atlantic Credit & Finance, Inc.'s 256 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 235 |
| Consumer Loan | 11 |
| Credit card or prepaid card | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit reporting | 1 |
| Credit card | 1 |
| Student loan | 1 |
Nationwide filing states for Atlantic Credit & Finance, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 8.6% of this company's filings
Atlantic Credit & Finance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 22
- +340% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 22 |
| NY | 21 |
| TX | 21 |
| GA | 19 |
| FL | 14 |
| TN | 14 |
| VA | 11 |
| MD | 11 |
| IL | 11 |
| MO | 10 |
| NC | 9 |
| PA | 9 |
| MI | 8 |
| NJ | 7 |
| MA | 6 |
| SC | 5 |
| OH | 5 |
| OR | 4 |
| IN | 4 |
| OK | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 85 |
| Cont'd attempts collect debt not owed | 26 |
| Disclosure verification of debt | 23 |
| Improper contact or sharing of info | 20 |
| Took or threatened to take negative or legal action | 16 |
| Attempts to collect debt not owed | 15 |
| Written notification about debt | 14 |
| False statements or representation | 14 |
| Taking/threatening an illegal action | 12 |
| Threatened to contact someone or share information improperly | 10 |
| Problems when you are unable to pay | 9 |
| Incorrect information on credit report | 1 |
| Managing the loan or lease | 1 |
| Taking out the loan or lease | 1 |
| Closing/Cancelling account | 1 |
| Dealing with my lender or servicer | 1 |
| Problem when making payments | 1 |
| Fees or interest | 1 |
| Closing your account | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 23 | 100% |
| 2015 | 43 | 100% |
| 2016 | 52 | 100% |
| 2017 | 49 | 95.9% |
| 2018 | 62 | 100% |
| 2019 | 22 | 100% |
Source: CFPB Consumer Complaint Database
Atlantic Credit & Finance, Inc. filings cluster in one product
Atlantic Credit & Finance, Inc.'s 256 logged complaints reach a nationwide footprint - 40 states have at least one filing. 40.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2019-12-10.
Atlantic Credit & Finance, Inc. answers 99.2% of complaints inside the CFPB's tracked window and closes 25.4% with a written explanation. 74.6% 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 "Communication tactics."
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 Atlantic Credit & Finance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Atlantic Credit & 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: 256.
- First Horizon Bank - West Congress Street Branch Δ 0 complaints · 11.3% relief 256complaints
- American Financial Network Inc. Δ 1 complaints · 7.8% relief 255complaints
- Gatestone & Co. International Inc. Δ 1 complaints · 64.3% relief 255complaints
- Kashia Services Δ 1 complaints · 0% relief 255complaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.2%.
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 Atlantic Credit & Finance, Inc. (99.2% timely; 74.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration