CFPB Consumer Complaint Profile
Auto Credit of Virginia Inc.
What 17 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 8
- Last 12 months
- 100%
- Timely response
- Top decile
- 4
- States affected
The verdict
17 CFPB complaints put Auto Credit of Virginia Inc. at #3073 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3073
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 4
- 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.
Auto Credit of Virginia Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
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 |
|---|---|
| 2023 | 6 |
| 2024 | 2 |
| 2025 | 6 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Auto Credit of Virginia Inc.
The CFPB Consumer Complaint Database has logged 17 complaints against Auto Credit of Virginia Inc. overall, with 8 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint 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. Within that category, the most frequently cited specific issue is "Managing the loan or lease" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Auto Credit of Virginia Inc. draw a 100% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, the consumer-relief closure rate is 5.9%.
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 Auto Credit of Virginia Inc. have?
17 complaints have been filed against Auto Credit of Virginia Inc. with the CFPB overall - 8 of them in the past year.
Does Auto Credit of Virginia Inc. respond to complaints on time?
Auto Credit of Virginia Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Auto Credit of Virginia Inc.?
The most complained-about product for Auto Credit of Virginia Inc. is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Auto Credit of Virginia Inc.?
Consumers most often cite "Managing the loan or lease" when complaining about Auto Credit of Virginia Inc.; the full issue list with counts is above.
How do I file a complaint against Auto Credit of Virginia Inc.?
You can file a complaint against Auto Credit of Virginia Inc. 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 Auto Credit of Virginia Inc.?
Auto Credit of Virginia Inc. has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
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.