Credit bureau · complaint record
American Cycle Finance complaints
Filed under American Cycle Finance, Inc.
Consumers have filed 29 complaints about American Cycle Finance since 2018, 3 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 29
- Last 12 months
- 3
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #298 of 566
Since July 2018
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Sep 30, 2026
Most complained-about credit bureaus & report companies
American Cycle Finance complaints by month
The busiest month was November 2021 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How American Cycle Finance answered all time
- Closed with non-monetary relief310.3%
- Closed with explanation2689.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What American Cycle Finance complaints are about
Top American Cycle Finance problems
Inside "Improper use of your report"
- Reporting company used your report improperly 3
- Credit inquiries on your report that you don't recognize 2
- Report provided to employer without your written authorization 1
Where American Cycle Finance complaints come from
Most complaints: Texas (9), Illinois (5), Florida (4), Georgia (2), Arizona (1).
American Cycle Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | American Cycle FinanceCredit reporting | - | 3 | - |
Compare side by side: American Cycle Finance vs Apple Financing · American Cycle Finance vs Nav Technologies · American Cycle Finance vs Opportunity Fund · American Cycle Finance vs Heritage Financial Group
What people say about American Cycle Finance
All experiencesNo experiences with American Cycle Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest American Cycle Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 27, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Oct 13, 2025 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Sep 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 12, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jul 15, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Mar 12, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 9, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jan 8, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 22, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 12, 2024 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
Questions about American Cycle Finance
How many complaints does American Cycle Finance have?
American Cycle Finance has 29 complaints on record since July 2018, including 3 in the last 12 months and 0 in the last 30 days. That makes it number 2,246 of every company by complaints this year.
Does American Cycle Finance respond to complaints?
Yes. American Cycle Finance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with American Cycle Finance?
The most common problems are incorrect information on your report (4), attempts to collect debt not owed (3), repossession (2).
Is American Cycle Finance legit?
American Cycle Finance is a real company with a public complaint record: consumers have complained about it 29 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is American Cycle Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against American Cycle Finance?
Complain to American Cycle Finance 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 Cycle Finance complaints come from?
Most come from Texas (9), Illinois (5), Florida (4). 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
Talk about American Cycle Finance
No comments yet. Start the conversation - questions are welcome too.