CFPB · Single-product concentration
Commercial Acceptance Company
370 CFPB complaints · 78.6% in "Debt collection" · top issue Attempts to collect debt not owed.
Commercial Acceptance Company: 78.6% of 370 CFPB complaints sit in "Debt collection". Timely 94.6% · relief 0%. Allegations, not findings.
- Single-product concentration
- +250% filings 2014 to 2026
CFPB relief outcome brief
CCDB company commercial-acceptance-company
0% relief · 94.6% timely · 370 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Commercial Acceptance Company closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Commercial Acceptance Company's 370 filings include narrative text
42.2% 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.
Commercial Acceptance Company complaint mix by product
- Debt collection 291 78.6% – 0% relief
- Credit reporting 40 10.8% – 0% relief
- Credit reporting, 35 9.5% – 0% relief
- Checking or 2 0.5% – 0% relief
- Credit card 1 0.3% – 0% relief
- Payday loan, 1 0.3% – 0% relief
How Commercial Acceptance Company's 370 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 291 |
| Credit reporting or other personal consumer reports | 40 |
| Credit reporting, credit repair services, or other personal consumer reports | 35 |
| Checking or savings account | 2 |
| Credit card | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Concentrated filing states for Commercial Acceptance Company
Top states by attributed CFPB complaint volume for this company
- Leading state
- PA
- 61.6% of this company's filings
Commercial Acceptance Company rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 42
- +250% vs 2014
Top States
| State | Complaints |
|---|---|
| PA | 228 |
| NJ | 30 |
| NY | 25 |
| DE | 11 |
| FL | 11 |
| MD | 10 |
| TX | 9 |
| GA | 9 |
| AL | 6 |
| NC | 5 |
| OH | 4 |
| VA | 3 |
| IL | 3 |
| MI | 3 |
| IN | 2 |
| ID | 2 |
| CT | 1 |
| OR | 1 |
| MO | 1 |
| NE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 91 |
| Written notification about debt | 59 |
| False statements or representation | 36 |
| Incorrect information on your report | 34 |
| Took or threatened to take negative or legal action | 34 |
| Communication tactics | 27 |
| Improper use of your report | 24 |
| Cont'd attempts collect debt not owed | 19 |
| Threatened to contact someone or share information improperly | 12 |
| Problem with a company's investigation into an existing problem | 10 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Improper contact or sharing of info | 6 |
| Disclosure verification of debt | 5 |
| Taking/threatening an illegal action | 2 |
| Closing an account | 2 |
| Getting a line of credit | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 12 | 100% |
| 2015 | 9 | 88.9% |
| 2016 | 11 | 63.6% |
| 2017 | 7 | 71.4% |
| 2018 | 14 | 92.9% |
| 2019 | 13 | 100% |
| 2020 | 28 | 92.9% |
| 2021 | 35 | 100% |
| 2022 | 29 | 100% |
| 2023 | 37 | 97.3% |
| 2024 | 53 | 84.9% |
| 2025 | 80 | 98.8% |
| 2026 | 42 | 100% |
Source: CFPB Consumer Complaint Database
Commercial Acceptance Company filings cluster in one product
Commercial Acceptance Company's 370 logged complaints stay concentrated: only 22 states show a filing. 42.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-23.
Commercial Acceptance Company answers 94.6% of complaints inside the CFPB's tracked window and closes 99.5% 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 "Attempts to 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 Commercial Acceptance Company.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Commercial Acceptance Company: 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: 370.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.6%.
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 Commercial Acceptance Company (94.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration