CFPB Consumer Complaint Profile
Auto Finance Center
What the 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
- 11
- Total complaints
- Below average
- 6
- Last 12 months
- 9.1%
- Timely response
- Bottom decile
- 5
- States affected
The verdict
By CFPB complaint volume, Auto Finance Center is #3589 out of 3,843 financial companies. For answering complaints on time it stands at the 1st percentile in the 100+ complaint peer group.
- Vehicle loan or lease
- most-complained product
- NC
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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 Finance Center vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
9.1% Among the lowest higher than 1% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 1 |
| 2020 | 1 |
| 2023 | 1 |
| 2025 | 3 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Auto Finance Center
Auto Finance Center draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. 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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Auto Finance Center have?
Auto Finance Center has 11 total consumer complaints filed with the CFPB, with 6 filed in the last 12 months.
Does Auto Finance Center respond to complaints on time?
Auto Finance Center's CFPB timely-response rate is 9.1%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Auto Finance Center?
Among all products tied to Auto Finance Center, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Auto Finance Center?
The most common issue reported by consumers about Auto Finance Center is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Auto Finance Center?
You can file a complaint against Auto Finance Center 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 Finance Center?
The CFPB has recorded complaints against Auto Finance Center from 5 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.