Atlantic Credit & Finance, Inc.
256 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Atlantic Credit & Finance, Inc.
Atlantic Credit & Finance, Inc.'s 256 logged complaints reach a nationwide footprint - 40 states have at least one filing on record. 40.6% 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 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..
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 Atlantic Credit & Finance, Inc. have?
256, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Atlantic Credit & Finance, Inc. respond to complaints on time?
99.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Atlantic Credit & Finance, Inc.?
"Communication tactics", filed under the "Debt collection" 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.