Debt collector · complaint record
American Credit Exchange complaints
Filed under American Credit Exchange, Inc
Consumers have filed 7 complaints about American Credit Exchange since 2013, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 7
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since November 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: May 16, 2026
Most complained-about debt collectors
American Credit Exchange complaints by month
The busiest month was November 2013 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Credit Exchange answered all time
- Closed with explanation457.1%
- Closed114.3%
- Untimely response228.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American Credit Exchange complaints are about
Top American Credit Exchange problems
Inside "Cont'd attempts collect debt not owed"
- Debt is not mine 2
- Debt was paid 1
Where American Credit Exchange complaints come from
Most complaints: New York (2), Florida (1), Maryland (1), North Dakota (1), New Jersey (1).
American Credit Exchange compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | American Credit ExchangeDebt collection | - | 1 | - |
Compare side by side: American Credit Exchange vs Green Square · American Credit Exchange vs EMoneyUSA · American Credit Exchange vs Mullooly Jeffrey Rooney & Flynn · American Credit Exchange vs Credit World Services
What people say about American Credit Exchange
All experiencesNo experiences with American Credit Exchange yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Credit Exchange complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Jul 19, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Jan 21, 2016 | Student loans | Dealing with my lender or servicerDon't agree with fees charged | Explained |
| Jul 17, 2015 | Credit reporting | Incorrect information on credit reportAccount terms | Explained |
| Apr 17, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Closed |
| Oct 22, 2014 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Nov 12, 2013 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
Questions about American Credit Exchange
How many complaints does American Credit Exchange have?
American Credit Exchange has 7 complaints on record since November 2013, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does American Credit Exchange respond to complaints?
Yes. American Credit Exchange answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with American Credit Exchange?
The most common problems are attempts to collect debt not owed (2), cont'd attempts collect debt not owed (3), dealing with my lender or servicer (1).
Is American Credit Exchange legit?
American Credit Exchange is a real company with a public complaint record: consumers have complained about it 7 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Credit Exchange legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American Credit Exchange?
Complain to American Credit Exchange 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 Exchange complaints come from?
Most come from New York (2), Florida (1), Maryland (1). 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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