American Credit Acceptance, LLC
BANKCOMPLAINT RATE GAUGE
Low <0.5
Mod 0.5–1
High 1–3
Critical 3+
ⓘDirectional confidence
Worse than 47.3% of all institutions
LOW RISK
Worse than 47.3% of all scored US financial institutions
TOTAL COMPLAINTS
12
RESOLUTION QUALITYWeighted score 0–100 measuring how well CFPB complaints are resolved. Factors: % closed with explanation, monetary relief rate, and consumer dispute rate. Higher is better.
25/100
Response quality · CFPB
SHADOW RATEResearch indicates only ~5% of affected consumers file a formal federal complaint. Shadow rate = complaint rate x 20 — a directional estimate of true consumer impact. Labelled as an estimate.
~0/1k
Est. true impact · directional
WHAT THIS MEANS FOR YOU
American Credit Acceptance, LLC is a low-risk institution based on federal complaint data.
At 0.00 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 4,977 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small.
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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.
Complaint Profile
Rate / 1,000 customersCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.00/1k
Total complaints (2011–2025)Total complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.12
Timely response rate% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.91.7%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
○ No enforcement actions found across 7 federal agencies. Grey dots indicate no formal regulatory action on record.
Financial Health Indicators
Call Report financial data not available for this institution. This data covers the 59 largest institutions in our database.
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.3.8%
Denial rate — White applicants3.8%
Denial rate — Black applicants3.8%
Denial rate — Hispanic applicants3.8%
Racial disparity indexBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.1.00×✓ near parity
Based on 8,589 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
Category breakdown requires a minimum complaint volume. Not available for this institution.
Timely response rate91.7%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
✓ No risk flags identified across 21 data sources. This institution has no recorded government bailouts, regulatory enforcement, GSE suspensions, or federal litigation.
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATECFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.00/1k
National median ≈ 0.30/1k
Source: CFPB →ⓘDirectional confidence
HMDA DENIAL RATE% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
3.8%
Mortgage applications denied
Source: FFIEC HMDA →RACIAL DISPARITY INDEXRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
1.00×
Non-white vs white denial ratio
Source: FFIEC HMDA →BETTER-RATED ALTERNATIVES
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Read the guide →Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›