Debt collection
American Credit Exchange debt collection complaints
Consumers have filed 5 complaints about American Credit Exchange's debt collection, 1 in the last 12 months. American Credit Exchange answered 0% on time and closed - with relief. See the whole American Credit Exchange record.
American Credit Exchange 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 Exchange | 1 | 0% | - |
Latest American Credit Exchange debt collection complaints
| 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 |
| 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 |
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.
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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