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 2026-05-15
- 12,837
- Total complaints
- 3,440
- Last 12 months
- 99.8%
- Timely response
- 55
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Credit Acceptance Corporation has accumulated 12,837 complaints, placing it #52 by volume. It answers 99.8% of complaints on time - above the 93% median for companies with 100+ complaints.
- #52
- of 3,848 companies by volume
- 99.8%
- answered on time
- Vehicle loan or lease
- most-complained product
- 55
- 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 |
|---|---|
| 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 |
| 2026 | 720 |
Complaints by State (Top 15)
Company Responses
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 answers 99.8% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. In 18.3% 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, 6.6% 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~12,837)
Also handles Vehicle loan or lease
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.