American Credit Acceptance, LLC Consumer Complaints
American Credit Acceptance, LLC has received 3,447 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 3,447 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (1,369).
- Timely response rate: 88.5%.
- Consumer disputed rate: 11.4% of resolved complaints.
Complaints by Product
The following table shows how complaints against American Credit Acceptance, LLC break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 1,369 | 39.7% |
| Credit reporting or other personal consumer reports | 943 | 27.4% |
| Debt collection | 489 | 14.2% |
| Credit reporting, credit repair services, or other personal consumer reports | 473 | 13.7% |
| Consumer Loan | 134 | 3.9% |
| Payday loan, title loan, or personal loan | 12 | 0.3% |
| Credit card or prepaid card | 8 | 0.2% |
| Payday loan, title loan, personal loan, or advance loan | 5 | 0.1% |
| Credit card | 4 | 0.1% |
| Money transfer, virtual currency, or money service | 4 | 0.1% |
| Checking or savings account | 3 | 0.1% |
| Prepaid card | 2 | 0.1% |
| Credit reporting | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about American Credit Acceptance, LLC.
Company Response Breakdown
When consumers file complaints, American Credit Acceptance, LLC responds in one of several ways. The breakdown below shows how American Credit Acceptance, LLC has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 3,122 | 90.6% |
| Closed with non-monetary relief | 160 | 4.6% |
| In progress | 147 | 4.3% |
| Closed with monetary relief | 16 | 0.5% |
| Closed | 2 | 0.1% |
Complaints by State
Top states where consumers have filed complaints against American Credit Acceptance, LLC.
| State | Complaints |
|---|---|
| Texas | 516 |
| Florida | 450 |
| Georgia | 356 |
| California | 327 |
| North Carolina | 194 |
| Illinois | 157 |
| Maryland | 136 |
| Pennsylvania | 108 |
| Virginia | 102 |
| South Carolina | 89 |
| Ohio | 82 |
| Tennessee | 78 |
| Alabama | 72 |
| Arizona | 68 |
| Mississippi | 63 |
| Nevada | 61 |
| Louisiana | 56 |
| Michigan | 49 |
| New Jersey | 42 |
| New York | 41 |
Your Rights
What to do if you have a complaint against American Credit Acceptance, LLC
- Contact American Credit Acceptance, LLC directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does American Credit Acceptance, LLC have?
American Credit Acceptance, LLC has 3,447 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about American Credit Acceptance, LLC?
The most common issue reported is Incorrect information on your report with 661 complaints.
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How do I file a complaint against American Credit Acceptance, LLC?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does American Credit Acceptance, LLC respond to complaints on time?
American Credit Acceptance, LLC has a 88.5% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.