Debt collection
American Credit Acceptance debt collection complaints
Consumers have filed 635 complaints about American Credit Acceptance's debt collection, 269 in the last 12 months (+88%). American Credit Acceptance answered 100% on time and closed 0% with relief. See the whole American Credit Acceptance record.
American Credit Acceptance against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | American Credit Acceptance | 269 | 100% | 0% |
Latest American Credit Acceptance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 4, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | In progress |
| Oct 3, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Sep 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Sep 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 18, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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