Debt collector · complaint record
American Credit Systems complaints
Filed under American Credit Systems, Inc
Consumers have filed 7 complaints about American Credit Systems since 2020, none in the last 12 months. It answered 100% 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
- 0
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since March 2020
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Dec 4, 2023
American Credit Systems complaints by month
The busiest month was March 2020 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Credit Systems answered all time
- Closed with explanation7100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top American Credit Systems problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 3
- Debt was result of identity theft 1
- Debt was already discharged in bankruptcy and is no longer owed 1
American Credit Systems 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 SystemsDebt collection | - | 0 | - |
Compare side by side: American Credit Systems vs Green Square · American Credit Systems vs EMoneyUSA · American Credit Systems vs Mullooly Jeffrey Rooney & Flynn · American Credit Systems vs Credit World Services
What people say about American Credit Systems
All experiencesNo experiences with American Credit Systems yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Credit Systems complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 4, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 26, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 1, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 23, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 9, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 26, 2020 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 10, 2020 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about American Credit Systems
How many complaints does American Credit Systems have?
American Credit Systems has 7 complaints on record since March 2020, including 0 in the last 12 months and 0 in the last 30 days.
Does American Credit Systems respond to complaints?
Yes. American Credit Systems answered 100% 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 Systems?
The most common problems are attempts to collect debt not owed (5), written notification about debt (1), false statements or representation (1).
Is American Credit Systems legit?
American Credit Systems 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 Systems legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American Credit Systems?
Complain to American Credit Systems 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 Systems complaints come from?
Most come from Illinois (5), Texas (1), Georgia (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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