CFPB Consumer Complaint Profile
AC AutoPay LLC, Denver, CO Branch
181 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 181
- Total complaints
- Mid-range
- 42
- Last 12 months
- 59.7%
- Timely response
- Bottom decile
- 37
- States affected
The verdict
AC AutoPay LLC, Denver, CO Branch ranks #998 of 3,843 financial companies by CFPB complaint volume, with 181 complaints on record. It posts a 59.7% on-time response rate, the 4th percentile among companies with 100+ complaints.
- #998
- of 3,843 companies by volume
- 59.7%
- on time (4th pctile)
- Vehicle loan or lease
- most-complained product
- 37
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
AC AutoPay LLC, Denver, CO Branch vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
59.7% Among the lowest higher than 4% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 22 in 2024 to 47 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 10 |
| 2016 | 4 |
| 2017 | 6 |
| 2018 | 11 |
| 2019 | 12 |
| 2020 | 14 |
| 2021 | 15 |
| 2022 | 14 |
| 2023 | 19 |
| 2024 | 22 |
| 2025 | 47 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for AC AutoPay LLC, Denver, CO Branch
AC AutoPay LLC, Denver, CO Branch carries 181 complaints in the CFPB's database, 42 of them filed within the past 12 months. Consumers spanning 37 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Getting a loan or lease," a reasonable starting point for understanding recurring friction.
AC AutoPay LLC, Denver, CO Branch's timely response rate stands at 59.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 15% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does AC AutoPay LLC, Denver, CO Branch have?
181 complaints have been filed against AC AutoPay LLC, Denver, CO Branch with the CFPB overall - 42 of them in the past year.
Does AC AutoPay LLC, Denver, CO Branch respond to complaints on time?
AC AutoPay LLC, Denver, CO Branch has a 59.7% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for AC AutoPay LLC, Denver, CO Branch?
The most complained-about product for AC AutoPay LLC, Denver, CO Branch is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with AC AutoPay LLC, Denver, CO Branch?
"Getting a loan or lease" is the single most frequently cited issue in complaints against AC AutoPay LLC, Denver, CO Branch - see all issues and counts above.
How do I file a complaint against AC AutoPay LLC, Denver, CO Branch?
You can file a complaint against AC AutoPay LLC, Denver, CO Branch directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about AC AutoPay LLC, Denver, CO Branch?
The CFPB has recorded complaints against AC AutoPay LLC, Denver, CO Branch from 37 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for AC AutoPay LLC, Denver, CO Branch: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (15% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.