CFPB Consumer Complaint Profile
Credit Acceptance Corporation
Behind the 12,837 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 12,837
- Total complaints
- Among the highest
- 3,440
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 55
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Credit Acceptance Corporation has accumulated 12,837 complaints, placing it #52 by volume. It posts a 99.8% on-time response rate, the 79th percentile among companies with 100+ complaints.
- #52
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Vehicle loan or lease
- most-complained product
- 55
- states with 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.
Credit Acceptance Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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 2,317 in 2024 to 3,598 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 7 |
| 2013 | 57 |
| 2014 | 110 |
| 2015 | 136 |
| 2016 | 169 |
| 2017 | 261 |
| 2018 | 315 |
| 2019 | 357 |
| 2020 | 678 |
| 2021 | 1,011 |
| 2022 | 1,194 |
| 2023 | 1,907 |
| 2024 | 2,317 |
| 2025 | 3,598 |
| 2026year in progress | 720 |
Complaints by State (Top 15)
Company Responses
Credit Acceptance Corporation Complaint Concentration Profile
Credit Acceptance Corporation's complaint volume is large enough to measure concentration - not just the headline totals. Across 48 named product lines in the stored breakdown, the leading three (Vehicle loan or lease, Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports) hold a 74.3% share of product-tagged complaints. The Herfindahl index on that product mix is 0.217 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Managing the loan or lease) cover a 50.1% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Michigan, New York, Texas) hold a 24.1% share of state-tagged volume across 55 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 93.4% share among the 12,837 response-tagged complaints (11,984 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (3,598 complaints); the lightest year on file was 2012 (7). From 2024 to 2025, annual volume rose 55.3% (2,317 → 3,598). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Credit Acceptance Corporation
12,837 complaints against Credit Acceptance Corporation appear in the CFPB record, including 3,440 from the trailing year. The 55 states and territories represented put this footprint in nationwide territory. "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, "Incorrect information on your report" 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, Credit Acceptance Corporation posts a 99.8% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 18.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 6.6%.
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 Credit Acceptance Corporation have?
Credit Acceptance Corporation has 12,837 total consumer complaints filed with the CFPB, with 3,440 filed in the last 12 months.
Does Credit Acceptance Corporation respond to complaints on time?
Credit Acceptance Corporation's CFPB timely-response rate is 99.8%. That is a strong response record by CFPB standards.
What product generates the most complaints for Credit Acceptance Corporation?
"Vehicle loan or lease" draws more CFPB complaints against Credit Acceptance Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Credit Acceptance Corporation?
Consumers most often cite "Incorrect information on your report" when complaining about Credit Acceptance Corporation; the full issue list with counts is above.
How do I file a complaint against Credit Acceptance Corporation?
You can file a complaint against Credit Acceptance 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 Credit Acceptance Corporation?
Consumers in 55 states and territories have filed complaints about Credit Acceptance Corporation with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Credit Acceptance 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 complaint volume
Nearest companies by total CFPB complaint count (12,837 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18.3% here).
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 Credit Acceptance Corporation have?
Credit Acceptance Corporation has 12,837 total consumer complaints filed with the CFPB, with 3,440 filed in the last 12 months.
Does Credit Acceptance Corporation respond to complaints on time?
Credit Acceptance Corporation's CFPB timely-response rate is 99.8%. That is a strong response record by CFPB standards.
What product generates the most complaints for Credit Acceptance Corporation?
"Vehicle loan or lease" draws more CFPB complaints against Credit Acceptance Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Credit Acceptance Corporation?
Consumers most often cite "Incorrect information on your report" when complaining about Credit Acceptance Corporation; the full issue list with counts is above.
How do I file a complaint against Credit Acceptance Corporation?
You can file a complaint against Credit Acceptance 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 Credit Acceptance Corporation?
Consumers in 55 states and territories have filed complaints about Credit Acceptance Corporation with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.