Debt collection
American Cycle Finance debt collection complaints
Consumers have filed 6 complaints about American Cycle Finance's debt collection, 1 in the last 12 months. American Cycle Finance answered 100% on time and closed 0% with relief. See the whole American Cycle Finance record.
American Cycle Finance 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 Cycle Finance | 1 | 100% | 0% |
Latest American Cycle Finance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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 |
| Jan 20, 2022 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Mar 22, 2021 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | 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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