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Data / Consumer complaints / American Credit Acceptance, LLC

American Credit Acceptance, LLC: 2,743 CFPB consumer complaints in the last 3 years

American Credit Acceptance, LLC drew 2,743 consumer complaints in the CFPB database in the three years to November 6, 2026, and 4,210 since 2013. The largest group, 1,186, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 590. The company responded on time to 88.8% of the complaints, and 0.1% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Texas
  • 2,743Complaints, last 3 years
  • 4,210Complaints, all years
  • 88.8%Responded on time
  • 0.1%Closed with relief
  • 9Products
  • Nov 6, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 61,131
20251,017
2024554
2023389
2022281
2021222
2020166
2019125
201899
201795
201659
201540
201421
201311

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports1,18643.2%
Vehicle loan or lease1,08539.6%
Debt collection45216.5%
Payday loan, title loan, personal loan, or advance loan60.2%
Credit card50.2%
Checking or savings account30.1%
Money transfer, virtual currency, or money service30.1%
Prepaid card20.1%
Debt or credit management10.1%

Issues

IssueComplaintsShare
Incorrect information on your report59021.5%
Improper use of your report42415.5%
Repossession35813.1%
Managing the loan or lease32912%
Problem with a company's investigation into an existing problem2549.3%
Attempts to collect debt not owed1555.7%
Took or threatened to take negative or legal action1445.2%
Problems at the end of the loan or lease1104%
Getting a loan or lease1033.8%
False statements or representation843.1%
Struggling to pay your loan843.1%
Written notification about debt531.9%
Credit monitoring or identity theft protection services160.6%
Communication tactics70.3%
Threatened to contact someone or share information improperly70.3%
Unable to get your credit report or credit score60.2%
Electronic communications20.1%
Fraud or scam20.1%
Getting a credit card20.1%
Problem with a purchase or transfer20.1%
Charged upfront or unexpected fees10.1%
Confusing or missing disclosures10.1%
Getting the loan10.1%
Identity theft protection or other monitoring services10.1%
Managing an account10.1%

How the company responded

Company responseComplaintsShare
Closed with explanation2,58294.1%
In progress1595.8%
Closed with monetary relief10.1%
Closed with non-monetary relief10.1%

States

StateComplaintsShare
Texas45016.4%
Florida34112.4%
Georgia29410.7%
California2318.4%
North Carolina1505.5%
Illinois1415.1%
Maryland1083.9%
Pennsylvania903.3%
Alabama742.7%
Virginia722.6%
South Carolina692.5%
Tennessee602.2%
Ohio531.9%
Arizona471.7%
Louisiana461.7%
Nevada461.7%
Mississippi441.6%
New York391.4%
Michigan381.4%
Oklahoma341.2%
Indiana331.2%
Missouri331.2%
New Jersey331.2%
Wisconsin230.8%
Washington210.8%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 6, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
November 5, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 5, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
November 5, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
November 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 5, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
November 4, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
November 4, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 3, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
November 3, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
November 3, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
November 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 2, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
November 2, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
November 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
November 1, 2026Debt collectionAttempts to collect debt not owedIn progressconsumerfinance.gov
November 1, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 31, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 31, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 30, 2026Vehicle loan or leaseProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 30, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 30, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 30, 2026Vehicle loan or leaseGetting a loan or leaseIn progressconsumerfinance.gov
October 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 29, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 28, 2026Debt collectionFalse statements or representationIn progressconsumerfinance.gov
October 28, 2026Credit cardGetting a credit cardIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 27, 2026Vehicle loan or leaseStruggling to pay your loanIn progressconsumerfinance.gov
October 26, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 26, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
October 25, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 24, 2026Vehicle loan or leaseIncorrect information on your reportIn progressconsumerfinance.gov
October 24, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 24, 2026Debt collectionWritten notification about debtIn progressconsumerfinance.gov
October 24, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 23, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 23, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemIn progressconsumerfinance.gov
October 22, 2026Vehicle loan or leaseRepossessionIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 22, 2026Vehicle loan or leaseManaging the loan or leaseIn progressconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportIn progressconsumerfinance.gov
October 21, 2026Vehicle loan or leaseProblems at the end of the loan or leaseIn progressconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.