Auto lender · complaint record
American Credit Acceptance complaints
Filed under American Credit Acceptance, LLC
Consumers have filed 4,239 complaints about American Credit Acceptance since 2013, 1,335 of them in the last 12 months (+43% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is incorrect information on your report. It is the 5th most complained-about of 193 auto lenders this year.
Average response record. How it works
- Complaints on record
- 4,239
- Last 12 months
- 1,335
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 92
- Rank
- #5 of 193
Since January 2013
+43% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 13, 2026
Most complained-about auto lenders
American Credit Acceptance complaints by month
The busiest month was December 2025 (124 complaints). Complaints in the last 12 months are up 43% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Credit Acceptance answered last 12 months
- Closed with explanation1,16787.4%
- In progress16812.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+43% vs last year
What American Credit Acceptance complaints are about
Top American Credit Acceptance problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 310
- Account status incorrect 264
- Information belongs to someone else 211
- Information is missing that should be on the report 30
- Old information reappears or never goes away 16
- Personal information incorrect 14
Where American Credit Acceptance complaints come from
Most complaints: Texas (664), Florida (536), Georgia (427), California (387), North Carolina (242).
American Credit Acceptance compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Westlake FinancialAuto loans & leases | 51 | 4,385 | C |
| 2 | BridgecrestAuto loans & leases | 49 | 2,363 | D |
| 3 | Hyundai Capital AmericaAuto loans & leases | 50 | 1,957 | C |
| 4 | American Credit AcceptanceAuto loans & leases | 51 | 1,335 | C |
| 5 | American Honda FinanceAuto loans & leases | 49 | 1,083 | D |
| 6 | Nissan Motor AcceptanceAuto loans & leases | 30 | 927 | F |
| 7 | Stellantis Financial Services USAuto loans & leases | 90 | 426 | A |
| 8 | Byrider FranchisingAuto loans & leases | 55 | 316 | C |
Compare side by side: American Credit Acceptance vs Westlake Financial · American Credit Acceptance vs Bridgecrest · American Credit Acceptance vs Hyundai Capital America · American Credit Acceptance vs American Honda Finance
What people say about American Credit Acceptance
All experiencesNo experiences with American Credit Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Credit Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | In progress |
| Nov 13, 2026 | Auto loans & leases | RepossessionNotice to repossess | In progress |
| Nov 13, 2026 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | In progress |
| Nov 13, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | In progress |
| Nov 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Nov 12, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | In progress |
| Nov 12, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | In progress |
| Nov 12, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | In progress |
| Nov 11, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | In progress |
| Nov 11, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | In progress |
| Nov 11, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | In progress |
Questions about American Credit Acceptance
How many complaints does American Credit Acceptance have?
American Credit Acceptance has 4,239 complaints on record since January 2013, including 1,335 in the last 12 months and 92 in the last 30 days. That makes it number 105 of every company by complaints this year.
Does American Credit Acceptance respond to complaints?
Yes. American Credit Acceptance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 51/100 (grade C).
What do people complain about most with American Credit Acceptance?
The most common problems are incorrect information on your report (859), repossession (373), managing the loan or lease (617).
Is American Credit Acceptance legit?
American Credit Acceptance is a real company with a public complaint record: consumers have complained about it 4,239 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Credit Acceptance legit? for the signals, red flags and how to protect yourself.
Are complaints about American Credit Acceptance going up or down?
Up. There were 1,335 complaints in the last 12 months against 931 in the 12 before (+43%). See every month.
How do I file a complaint against American Credit Acceptance?
Complain to American Credit Acceptance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most American Credit Acceptance complaints come from?
Most come from Texas (664), Florida (536), Georgia (427). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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