Debt collector · complaint record
Commercial Acceptance complaints
Filed under Commercial Acceptance Company
Consumers have filed 409 complaints about Commercial Acceptance since 2014, 95 of them in the last 12 months (+38% on the year before). It answered 98.9% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 409
- Last 12 months
- 95
- Answered on time
- 98.9%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #206 of 1,963
Since January 2014
+38% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 14, 2026
Most complained-about debt collectors
Commercial Acceptance complaints by month
The busiest month was July 2026 (14 complaints). Complaints in the last 12 months are up 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Commercial Acceptance answered last 12 months
- Closed with explanation95100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time40/4598.9% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+38% vs last year
What Commercial Acceptance complaints are about
Top Commercial Acceptance problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 75
- Debt was result of identity theft 15
- Debt was paid 14
- Debt was already discharged in bankruptcy and is no longer owed 2
Where Commercial Acceptance complaints come from
Most complaints: Pennsylvania (250), New Jersey (33), New York (29), Florida (13), Delaware (11).
Commercial Acceptance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | TorriereDebt collection | 60 | 97 | C |
| 2 | Credit Bureau Systems, Inc., Paducah, KY BranchDebt collection | 91 | 96 | A |
| 3 | Io, IncDebt collection | 55 | 95 | C |
| 4 | Key 2 RecoveryDebt collection | 37 | 95 | D |
| 5 | Commercial AcceptanceDebt collection | 46 | 95 | D |
| 6 | Northstar Location ServicesDebt collection | 59 | 94 | C |
| 7 | Asset Recovery SolutionsDebt collection | 56 | 94 | C |
| 8 | Medical-Commercial AuditDebt collection | 93 | 94 | A |
Compare side by side: Commercial Acceptance vs Torriere · Commercial Acceptance vs Credit Bureau Systems, Inc., Paducah, KY Branch · Commercial Acceptance vs Io, Inc · Commercial Acceptance vs Key 2 Recovery
What people say about Commercial Acceptance
All experiencesNo experiences with Commercial Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Commercial Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 1, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Commercial Acceptance
How many complaints does Commercial Acceptance have?
Commercial Acceptance has 409 complaints on record since January 2014, including 95 in the last 12 months and 0 in the last 30 days. That makes it number 484 of every company by complaints this year.
Does Commercial Acceptance respond to complaints?
Yes. Commercial Acceptance answered 98.9% 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. Its Response Score is 46/100 (grade D).
What do people complain about most with Commercial Acceptance?
The most common problems are attempts to collect debt not owed (106), false statements or representation (42), written notification about debt (62).
Is Commercial Acceptance legit?
Commercial Acceptance is a real company with a public complaint record: consumers have complained about it 409 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Commercial Acceptance legit? for the signals, red flags and how to protect yourself.
Are complaints about Commercial Acceptance going up or down?
Up. There were 95 complaints in the last 12 months against 69 in the 12 before (+38%). See every month.
How do I file a complaint against Commercial Acceptance?
Complain to Commercial Acceptance 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 Commercial Acceptance complaints come from?
Most come from Pennsylvania (250), New Jersey (33), New York (29). 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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