CFPB Consumer Complaint Profile
Auto Finance USA, LLC
Consumers have filed 11 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 11
- Total complaints
- Below average
- 7
- Last 12 months
- 81.8%
- Timely response
- Bottom quartile
- 2
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Auto Finance USA, LLC sits at #3589, with 11 complaints logged. It posts a 81.8% on-time response rate, the 10th percentile among companies with 100+ complaints.
- #3589
- of 3,843 companies by volume
- 81.8%
- on time (10th pctile)
- Vehicle loan or lease
- most-complained product
- 2
- 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 Finance USA, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81.8% Among the lowest higher than 10% 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 |
|---|---|
| 2024 | 4 |
| 2025 | 6 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Auto Finance USA, LLC
The CFPB Consumer Complaint Database has logged 11 complaints against Auto Finance USA, LLC overall, with 7 of those filed in the trailing 12 months. Reports have come from consumers in 2 states and territories, making this a geographically concentrated complaint footprint. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Managing the loan or lease" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Auto Finance USA, LLC posts a 81.8% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. 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 Auto Finance USA, LLC have?
The CFPB has logged 11 complaints against Auto Finance USA, LLC to date, of which 7 came in over the last 12 months.
Does Auto Finance USA, LLC respond to complaints on time?
Auto Finance USA, LLC's CFPB timely-response rate is 81.8%.
What product generates the most complaints for Auto Finance USA, LLC?
The most complained-about product for Auto Finance USA, LLC is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Auto Finance USA, LLC?
The most common issue reported by consumers about Auto Finance USA, LLC is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Auto Finance USA, LLC?
You can file a complaint against Auto Finance USA, LLC 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 USA, LLC?
Auto Finance USA, LLC has drawn CFPB complaints from 2 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.