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 2026-05-15
- 364
- Total complaints
- 107
- Last 12 months
- 75.3%
- Timely response
- 35
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Automotive Credit Corporation has accumulated 364 complaints, placing it #612 by volume. It answers 75.3% of complaints on time - below the 93% median for companies with 100+ complaints.
- #612
- of 3,848 companies by volume
- 75.3%
- answered on time
- Credit reporting or …
- most-complained product
- 35
- 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 |
|---|---|
| 2014 | 4 |
| 2015 | 5 |
| 2016 | 5 |
| 2017 | 19 |
| 2018 | 10 |
| 2019 | 13 |
| 2020 | 8 |
| 2021 | 24 |
| 2022 | 40 |
| 2023 | 50 |
| 2024 | 50 |
| 2025 | 112 |
| 2026 | 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 answers 75.3% of forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. In 47.4% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.5% closed with the consumer receiving monetary or non-monetary relief.
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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~364)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.