Debt collector · complaint record
Atlantic Credit & Finance complaints
Filed under Atlantic Credit & Finance, Inc.
Consumers have filed 256 complaints about Atlantic Credit & Finance since 2013, none in the last 12 months. It answered 99.2% on time and closed 75% with relief for the customer. The most common problem is communication tactics.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 256
- Last 12 months
- 0
- Answered on time
- 99.2%
- Closed with relief
- 75%
- Last 30 days
- 0
- Rank
- -
Since July 2013
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Dec 10, 2019
Atlantic Credit & Finance complaints by month
The busiest month was December 2018 (9 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Atlantic Credit & Finance answered all time
- Closed with monetary relief10.4%
- Closed with non-monetary relief19074.2%
- Closed with explanation6525.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Atlantic Credit & Finance complaints are about
Top Atlantic Credit & Finance problems
Inside "Communication tactics"
- Frequent or repeated calls 55
- You told them to stop contacting you, but they keep trying 10
- Used obscene, profane, or other abusive language 7
- Threatened to take legal action 7
- Used obscene/profane/abusive language 4
- Called outside of 8am-9pm 1
Where Atlantic Credit & Finance complaints come from
Most complaints: California (22), New York (21), Texas (21), Georgia (19), Florida (14).
Atlantic Credit & Finance 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 | Atlantic Credit & FinanceDebt collection | - | 0 | - |
Compare side by side: Atlantic Credit & Finance vs Green Square · Atlantic Credit & Finance vs EMoneyUSA · Atlantic Credit & Finance vs Mullooly Jeffrey Rooney & Flynn · Atlantic Credit & Finance vs Credit World Services
What people say about Atlantic Credit & Finance
All experiencesNo experiences with Atlantic Credit & Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Atlantic Credit & Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Dec 10, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 2, 2019 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Fixed |
| Sep 27, 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 | Fixed |
| Sep 3, 2019 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Aug 27, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Aug 1, 2019 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Jul 29, 2019 | Credit reporting | Incorrect information on your reportAccount status incorrect | Fixed |
| Jul 25, 2019 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jul 12, 2019 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Jun 27, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 21, 2019 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Apr 28, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Fixed |
Questions about Atlantic Credit & Finance
How many complaints does Atlantic Credit & Finance have?
Atlantic Credit & Finance has 256 complaints on record since July 2013, including 0 in the last 12 months and 0 in the last 30 days.
Does Atlantic Credit & Finance respond to complaints?
Yes. Atlantic Credit & Finance answered 99.2% of its complaints on time (within 15 days) and closed 75% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Atlantic Credit & Finance?
The most common problems are communication tactics (85), cont'd attempts collect debt not owed (26), disclosure verification of debt (23).
Is Atlantic Credit & Finance legit?
Atlantic Credit & Finance is a real company with a public complaint record: consumers have complained about it 256 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Atlantic Credit & Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Atlantic Credit & Finance?
Complain to Atlantic Credit & 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 Atlantic Credit & Finance complaints come from?
Most come from California (22), New York (21), Texas (21). 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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