Vehicle loans and leases
American Credit Acceptance: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 170
- Closed with money back
- 1%
- 2023 to 2025
- 38 to 89
Servicemembers filed 8.7% of American Credit Acceptance's 1,960 complaints in the window, against 2.5% across the directory. The complaints are mostly about vehicle loan or lease, and the single most common issue is "Incorrect information on your report". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 38 in 2023 to 89 in 2025.
What the complaints are about
By product
| Vehicle loan or lease | 91 |
| Credit reporting or other personal consumer reports | 53 |
| Debt collection | 15 |
| Credit reporting, credit repair services, or other personal consumer reports | 10 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Incorrect information on your report | 39 |
| Managing the loan or lease | 35 |
| Improper use of your report | 17 |
| Repossession | 17 |
| Struggling to pay your loan | 13 |
| 2023: 38 | 2024: 43 | 2025: 89 |
Which accounts, specifically
| Loan | 91 |
| Credit reporting | 65 |
| Auto debt | 13 |
| Lease | 6 |
| I do not know | 2 |
What went wrong, specifically
| Account information incorrect | 17 |
| Account status incorrect | 13 |
| Problem with the interest rate | 12 |
| Billing problem | 12 |
| Denied request to lower payments | 11 |
Busiest month: November 2025, with 14 servicemember complaints. Most were submitted by web.
Most complaints came from TX (26), GA (17), NC (16) , then CA, FL, AZ.
How American Credit Acceptance answered
| Closed with explanation | 165 | 97% |
| Closed with non-monetary relief | 3 | 2% |
| Closed with monetary relief | 2 | 1% |
American Credit Acceptance responded within the CFPB's 15-day window on 81% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (26). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Improper use of your report. CA, 2024-08-25. Outcome: Closed with explanation. Complaint 9924481
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Credit reporting or other personal consumer reports; Incorrect information on your report. GA, 2024-08-16. Outcome: Closed with explanation. Complaint 9823220
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Credit reporting or other personal consumer reports; Improper use of your report. CO, 2024-08-10. Outcome: Closed with explanation. Complaint 9778338
If this is your problem at American Credit Acceptance
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: American Credit Acceptance SCRA: 6% Cap, Request Form, 180-Day Window.
Compare with vehicle loans and leases peers
- CarMax 172 servicemember complaints; 2% with money back
- Nissan Motor Acceptance 141 servicemember complaints; 0% with money back
- American Honda Finance 120 servicemember complaints; 0% with money back
- Mercedes Benz Financial Services 109 servicemember complaints; 0% with money back
- Toyota Financial Services 275 servicemember complaints; 4% with money back
Next in the directory by volume: Avant, Velocity Portfolio, Veterans United.
Frequently asked questions
How many complaints did servicemembers file against American Credit Acceptance?
170 complaints tagged servicemember were received by the CFPB about American Credit Acceptance, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 38 in 2023 to 89 in 2025.
What do servicemembers complain about most at American Credit Acceptance?
Vehicle loan or lease accounts for 91 of the 170 complaints, and the most common issue is "Incorrect information on your report" (39). Next: "Managing the loan or lease" (35).
Does American Credit Acceptance give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 3 closed with non-monetary relief and 165 closed with an explanation only. American Credit Acceptance answered 81% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.