CFPB Consumer Complaint Profile
Automotive Credit Corporation
364 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
- 364
- Total complaints
- Above average
- 107
- Last 12 months
- 75.3%
- Timely response
- Bottom decile
- 35
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Automotive Credit Corporation has accumulated 364 complaints, placing it #611 by volume. It posts a 75.3% on-time response rate, the 7th percentile among companies with 100+ complaints.
- #611
- of 3,843 companies by volume
- 75.3%
- on time (7th pctile)
- Credit reporting or …
- most-complained product
- 35
- 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.
Automotive Credit Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
75.3% Among the lowest higher than 7% 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 50 in 2024 to 112 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 |
|---|---|
| 2014 | 4 |
| 2015 | 5 |
| 2016 | 5 |
| 2017 | 19 |
| 2018 | 10 |
| 2019 | 13 |
| 2020 | 8 |
| 2021 | 24 |
| 2022 | 40 |
| 2023 | 50 |
| 2024 | 50 |
| 2025 | 112 |
| 2026year in progress | 24 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Automotive Credit Corporation
The CFPB Consumer Complaint Database has logged 364 complaints against Automotive Credit Corporation overall, with 107 of those filed in the trailing 12 months. Reports have come from consumers in 35 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," 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 "Incorrect information on your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Automotive Credit Corporation posts a 75.3% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 47.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0.5%.
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 Automotive Credit Corporation have?
The CFPB has logged 364 complaints against Automotive Credit Corporation to date, of which 107 came in over the last 12 months.
Does Automotive Credit Corporation respond to complaints on time?
Automotive Credit Corporation's CFPB timely-response rate is 75.3%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Automotive Credit Corporation?
The most complained-about product for Automotive Credit Corporation is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Automotive Credit Corporation?
The most common issue reported by consumers about Automotive Credit Corporation is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Automotive Credit Corporation?
You can file a complaint against Automotive Credit Corporation 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 Automotive Credit Corporation?
Automotive Credit Corporation has drawn CFPB complaints from 35 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Automotive Credit Corporation: 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 (47.4% here).
Also handles Credit reporting or other personal consumer reports
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.