American Consumer Credit Counseling Reviews

We are 2 years in to a 4 year credit card debt payoff plan. Started with $65k in CC debt and 24 months later the remaining balance is $30k, which will be paid off in the next 24 months. Having ACCC negotiate our debt with our creditors and setting our repayment plan was absolutely life-changing. Our credit card payments went from over $3,000 a month, for just the minimum payments over 6 cards, to $1,400 a month. There is a very minor monthly fee to ACCC for this program (I believe it's between $40-60/month. They have been a dream to work with. They auto take the monthly funds as outlined and they pay each credit card on time. We will be forever grateful to have ACCC as a partner in paying off our debt in a manageable way.

What a horrible experience with two agents this morning. I was ready to enter a DMP program and called to ask a few questions before pulling the trigger. One question was a request for standard DMP contract language and any additional disclosures. The second was about rates negotiated with BoA. Both agents were very rude and told me that they had no standard language and couldn't share any terms until AFTER I was in the program. I don't know about anyone else, but I am not entering into a financial agreement or contract without understanding the language upfront.

A representative told me over the phone to enter four complete account numbers into their form, promising this would authorize the deduction of a lump sum from a lender’s savings account, which would then be distributed among those accounts. I was not instructed to specify individual dollar amounts, nor was I told I needed to do so. I followed their instructions exactly.

I received outstanding assistance from Arthur on Tuesday 11/4/25. I had follow up questions which I had to make a phone call to ACCC about my account. I had the privilege of speaking to Arthur, who gave me exceptional advice. He helped me finalize my plans to reduce my payments. He took his time to explain everything I needed to do in great detail. He also took the time to go over my account year to date, and I appreciate all of the help I received from Arthur on that day. I always receive outstanding assistance when I contact ACCC with any of my concerns. My family and I thank you for all of the assistance you have given me. I appreciate the assistance I received from Arthur who made me feel very comfortable being a long term ACCC client. He treated me with the utmost respect and as with the previous representative Joaquin, both representatives welcomed me to call back if I had any further questions. They told me ACCC is there for me.

Use their app for your budget, call if you have questions, the staff are knowledgeable, friendly and patient. They help you plan to consolidate certain debts to help you get on track within a few years.

Just wanted to stop by and say that I definitely recommend these guys. Adrian assisted me and while we didn't get the desired outcome through no fault of these guys, he definitely took the time to put things into a different light for me.

There's never a negative moment with American Consumer Credit Counseling. Hold times aren't long. Each call starts with a friendly greeting. Questions to access your account are the right amount. Representatives are professional and friendly.

I received counseling and agreed to a DMP, saved me around $500 a month and lowered my interest rates by half or more. Kim called me back with a quick questions. Great service. Do not get a loan, get out of debt! It's not easy, but I could not go on just throwing money in hole and never seeing balance go down.

I recently spoke to Virginia for debt/credit counseling and it was a great experience. Opening up about debt can be embarrassing and shameful, but Virginia approached our conversation kindly and without judgment. She really seemed to want to help me, which I appreciated. She was able to offer us help with a debt management plan and other free savings advice. I was terrified to make the initial call to ACCC but I'm glad I did.

Great customer service and super with the counseling. I highly recommend this service to anyone who struggle with the credit card debt. Thank you, guys and for the great work you do in to helping the community.

Don't be fooled by the companies that "reduce your debt". You are MUCH better off getting on a debt repayment plan, IN FULL. ACCC is wonderful. After 2 years in the program, my debt is now HALF of the original balance and I plan to finish under the 4 years allowed. When I haven't been able to make my payment on time, they allow me a few more days until my next paycheck posts. HIGHLY RECOMMENDED.

Kyle was so thoughtful and non judgmental as he was asking me to provide details of my current debt in order to help get me on a plan. That really meant a lot and was somewhat inspiring! Thank you Kyle!

I really wish I found this company 5 years ago! I spoke with representative Keva, she was absolutely amazing. If I had to give her stars I would rate her services a 10/10 because of the professionalism, understanding and patience that she provided me on my road to financial recovery. It can feel really scary, uncertain and black and white but in time all things will come together. This company will require your patience, faith, diligence, and willpower to commit to want to be in a better financial standing by following the plan that they offer. Words can’t describe the much needed relief and peace that I feel. Thank you!!

This was my 2nd time helping an elderly friend obtain a HECM loan and Reese offered more. Information than the other company we used. I am impressed with his help and patience! I would recommend highly!

I spoke to your representative named Ben **... He was very helpful, knowledgeable and professional in his conversation with me... Excellent representation for your company and the services provided... Neil **.

My experience with ACCC couldn't have been better. Imani was incredibly kind, compassionate, and thorough as we went through the counseling and program process. I felt like I was in the best of hands and I was. Thank you so much, Imani and ACCC!

I signed up for this company in the summer of 1999. They were great at first, but then I started getting notices from companies claiming they were not receiving any payments. The company was drafting money from my account, once a month, but sending it to the creditors. It ruined my credit, and I had to go to the bank to get the bank to block them from withdrawing funds.

I sent cancellation notice via certified mail as instructed. The notice WAS received 3 days before payment was due and they took the funds from my account anyway, resulting in 2 overdraft charges, one for the payment itself and one for the attorney fees. After I contacted them they refunded the payment but not the attorney fee or 2 overdraft charges which they agreed to over the phone if I sent them my statement info, which I did. They claim they didn't receive notice in time but refused to show me proof even though I have receipt of them receiving it within the 3 days prior.

I hired tucker ** in October who claimed could fix my credit score and remove foreclosure and bankruptcy from my credit score in 3 months. My credit score did not change. Every time I called him, he was rude, nasty, and said it was going to take time. I have tried to call his superiors but have not received a response. He continues to speak to me in a nasty tone, talking down to me. Nothing has changed regarding my credit report. The responses from the credit company are stated as frivolous and unfounded.

American Consumer Credit Counseling (ACCC) is a nonprofit consumer education and financial counseling organization that has been in business since 1991. As one of the leading credit counseling and education agencies in the nation, ACCC strives to empower consumers to regain control of their financial lives. ACCC services include credit counseling, bankruptcy counseling, housing counseling, and debt management plan and consumer education. ACCC does not provide nor has ever provided a free credit report trial.

They said that my mother signed a paper agreeing to certain percentages on loans that she had. On the statement she got every month, it said 0% for one account. I called them and asked for a copy of the signed agreement; they said that they don't have it. She has overpaid $9000 over the last 5 years.

I came across a website of American Consumer Credit Counseling after I googled loan consolidation, not debit consolidation. I signed up for a free trial that also gives you a free credit report profile so you can check your own credit report. I've seen they were debit consolidation only and left their website immediately as I never believed in scam companies like this. A month later, which was recently 7/17/09, I was checking my bank statement online and seen $162.50 was withdrawn out of my account. I called the number on my statement as I did not recognize the name ACCC. As any scam program, it's always a recording, and they gave the name American Consumer Credit Counseling. It took forever to even remember them, and then I remembered when I stumbled on their website and did the free sign up to get a copy of my credit report.

During the mid part of April, I filled out the form to receive my free credit report for freecreditreport.com- which is also called Experion. I also filled out the same form for my husband. The form required you to enter a credit card# or debit card for identification only!! So, I did so. At the end of April, we both were charged $12.95 on our debit cards. I wasn't sure of the charge to our account which stated CIC Triple Advantage, so I thought my husband was responsible. BUT! I noticed the same charge again for the next month and inquired to my husband about it. We knew nothing of the charges. When speaking to my bank, they gave 877-481-6825 for CIC Triple Credit Advantage and 800-220-2626 for Credit Consumer info.

Before credit counseling services became so plentiful, I also tried going the route of always having a go-between myself and my bill collectors. I only used them for a short time but, the people were kind and courteous and I actually was beginning to see some clear sky over the horizon.