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 2026-05-15
- 181
- Total complaints
- 42
- Last 12 months
- 59.7%
- Timely response
- 37
- States affected
The verdict
AC AutoPay LLC, Denver, CO Branch ranks #1000 of 3,848 financial companies by CFPB complaint volume, with 181 complaints on record. It answers 59.7% of complaints on time - below the 93% median for companies with 100+ complaints.
- #1000
- of 3,848 companies by volume
- 59.7%
- answered on time
- Vehicle loan or lease
- most-complained product
- 37
- states with complaints
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 |
| 2026 | 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 was formally disputed in 15% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~181)
Also handles Vehicle loan or lease
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.