Is American Credit Acceptance
Trying To Collect a Debt from You?

American Credit Acceptance is a finance company.

What To Look For Against American Credit Acceptance:

  • Inaccurate Credit Reporting
  • Calling the Wrong Number
  • Harassing You by Phone (Your debt)
  • Already Paid the Bill
  • Not Your Account
  • Past the Statute of Limitations (deadline)

What are Your Rights Against American Credit Acceptance?

If you are being wrongly called by American Credit Acceptance, you have a right to file suit under the Telephone Consumer Protection Act for $500 to $1,500 per call since you were calling the wrong person.

If it is your debt, you have the right to make them stop calling. If you have told American Credit Acceptance to stop calling but they continue to call, you may have a claim for damages under the Telephone Consumer Protection Act. We regularly help consumer collect under the TCPA.

There is also a prohibition on calling too many times. If you think the number of calls from American Credit Acceptance is just too many, it probably is. Reach out and see what we think.

You have the right to have an accurate credit report. If American Credit Acceptance is reporting falsely, then disputing to the credit agencies is a good first step. We can assist you with any questions you have.

What is American Credit Acceptance's Phone and Address?

American Credit Acceptance LLC’s Address:  961 E. Main St. FI 2 Spartanburg, SC 29302-2185
Telephone: 866-544-3430

BBB and CFPB Continue to Receive Complaints Against American Credit Acceptance

American Credit Acceptance is established as a subprime auto lending agency that gets tons of complaints from customers every year. Based in South Carolina, ACA has obtained massive protests that allege violations like wrongful debt collection practices and wrong communication methods.

As stated in the Better Business Bureau’s website, this company was established as a limited liability agency. It was founded in 2007 in South Carolina. When you visit their official website, you will find that American Credit Acceptance doesn’t give any detailed data about their compliance policies. What’s more, they do not provide any information about their security and privacy.

Out of 667 complaints found in CFBP, 174 of complaints are about consumer loan; 158 complaints on a vehicle loan or lease and 153 complaints about credit reporting and other consumer reports.


American Credit Acceptance also has hundreds of report about debt collection with a total of 104 and 29 complaints on the mortgage. For the past three years, the BBB has closed 391 complaints about the auto loan company. They also have closed 187 complaints within the past twelve months.

Based on the data presented by Better Business Bureau, ACA approved to settle a government action by the Massachusetts Attorney General. They approved to pay at least 1.7 million dollars to deal with the claims of too much interest rates on its subprime auto loans. This argument was caused by the presence of fees for Gap coverage of the company.

Other types of complaints received by American Credit Acceptance includes:

  • Incorrect information on the report
  • Struggling to pay the loan
  • Attempts to collect debt not owed
  • Threatened to call somebody or share information improperly
  • Issues with fraud alerts or security freezes
  • Issue with a credit card reporting company’s investigation into a current issue
  • Unable to get one’s credit score or credit report
  • Getting a credit card
  • Communication tactics
  • Written notification regarding debt
  • Issues at the end of the lease or loan
  • Issue when making payments
  • Having a difficult time to pay the mortgage

Contact Us Today

If you feel your rights were violated, contact the law firm of Joseph P. McClelland, LLC today. 

Schedule a Free Consultation

Schedule a Free Consultation