Debt collector · complaint record
American Credit Financial complaints
Consumers have filed 27 complaints about American Credit Financial since 2016, none in the last 12 months. It answered 88.9% on time and closed 0% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 27
- Last 12 months
- 0
- Answered on time
- 88.9%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since January 2016
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jul 21, 2021
American Credit Financial complaints by month
The busiest month was May 2016 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Credit Financial answered all time
- Closed with explanation27100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American Credit Financial complaints are about
Top American Credit Financial problems
Inside "Took or threatened to take negative or legal action"
- Threatened to sue you for very old debt 3
- Threatened to arrest you or take you to jail if you do not pay 2
- Sued you in a state where you do not live or did not sign for the debt 1
- Threatened or suggested your credit would be damaged 1
Where American Credit Financial complaints come from
Most complaints: California (5), Ohio (5), Tennessee (2), Texas (2), Virginia (1).
American Credit Financial 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 FinancialDebt collection | - | 0 | - |
Compare side by side: American Credit Financial vs Green Square · American Credit Financial vs EMoneyUSA · American Credit Financial vs Mullooly Jeffrey Rooney & Flynn · American Credit Financial vs Credit World Services
What people say about American Credit Financial
All experiencesNo experiences with American Credit Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Credit Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 21, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 26, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 12, 2019 | Debt collection | Took or threatened to take negative or legal actionSued you in a state where you do not live or did not sign for the debt | Explained |
| Jun 26, 2019 | Payday & personal loans | Struggling to pay your loan | Explained |
| Jun 5, 2019 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 20, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 14, 2019 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Sep 18, 2018 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 13, 2018 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 23, 2018 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 30, 2018 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 23, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
Questions about American Credit Financial
How many complaints does American Credit Financial have?
American Credit Financial has 27 complaints on record since January 2016, including 0 in the last 12 months and 0 in the last 30 days.
Does American Credit Financial respond to complaints?
Yes. American Credit Financial answered 88.9% 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 Financial?
The most common problems are took or threatened to take negative or legal action (7), false statements or representation (7), communication tactics (3).
Is American Credit Financial legit?
American Credit Financial is a real company with a public complaint record: consumers have complained about it 27 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Credit Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American Credit Financial?
Complain to American Credit Financial 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 Financial complaints come from?
Most come from California (5), Ohio (5), Tennessee (2). 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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