Debt collection
Credit Acceptance debt collection complaints
Consumers have filed 2,608 complaints about Credit Acceptance's debt collection, 647 in the last 12 months (+3%). Credit Acceptance answered 100% on time and closed 1% with relief. See the whole Credit Acceptance record.
Credit Acceptance 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 | Credit Acceptance | 647 | 100% | 1% |
Latest Credit Acceptance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 1, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 31, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 30, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | In progress |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 16, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 15, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 14, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Oct 14, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 11, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Oct 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 10, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | 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.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
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
Talk about Credit Acceptance
No comments yet. Start the conversation - questions are welcome too.