CFPB Consumer Complaint Profile
Pennsylvania Auto Credit, Inc.
Consumers have filed 16 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
- 16
- Total complaints
- Below average
- 3
- Last 12 months
- 100%
- Timely response
- Top decile
- 2
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Pennsylvania Auto Credit, Inc. sits at #3154, with 16 complaints logged. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #3154
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting, cr…
- most-complained product
- 2
- 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.
Pennsylvania Auto Credit, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2021 | 5 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 4 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pennsylvania Auto Credit, Inc.
The CFPB Consumer Complaint Database has logged 16 complaints against Pennsylvania Auto Credit, Inc. overall, with 3 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. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. 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, Pennsylvania Auto Credit, Inc. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 25% rate.
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 Pennsylvania Auto Credit, Inc. have?
16 complaints have been filed against Pennsylvania Auto Credit, Inc. with the CFPB overall - 3 of them in the past year.
Does Pennsylvania Auto Credit, Inc. respond to complaints on time?
Pennsylvania Auto Credit, Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Pennsylvania Auto Credit, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Pennsylvania Auto Credit, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Pennsylvania Auto Credit, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Pennsylvania Auto Credit, Inc. - see all issues and counts above.
How do I file a complaint against Pennsylvania Auto Credit, Inc.?
You can file a complaint against Pennsylvania Auto Credit, Inc. 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 Pennsylvania Auto Credit, Inc.?
The CFPB has recorded complaints against Pennsylvania Auto Credit, Inc. from 2 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pennsylvania Auto Credit, Inc.: 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 (0% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pennsylvania Auto Credit, Inc. have?
16 complaints have been filed against Pennsylvania Auto Credit, Inc. with the CFPB overall - 3 of them in the past year.
Does Pennsylvania Auto Credit, Inc. respond to complaints on time?
Pennsylvania Auto Credit, Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Pennsylvania Auto Credit, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Pennsylvania Auto Credit, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Pennsylvania Auto Credit, Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Pennsylvania Auto Credit, Inc. - see all issues and counts above.
How do I file a complaint against Pennsylvania Auto Credit, Inc.?
You can file a complaint against Pennsylvania Auto Credit, Inc. 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 Pennsylvania Auto Credit, Inc.?
The CFPB has recorded complaints against Pennsylvania Auto Credit, Inc. from 2 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.