CFPB Consumer Complaint Profile
U.S. Auto Credit Corporation
Consumers have filed 209 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
- 209
- Total complaints
- Above average
- 60
- Last 12 months
- 89.5%
- Timely response
- Bottom quartile
- 18
- States affected
The verdict
U.S. Auto Credit Corporation ranks #901 of 3,843 financial companies by CFPB complaint volume, with 209 complaints on record. Its on-time response rate is 89.5%, the 17th percentile among companies with 100+ complaints.
- #901
- of 3,843 companies by volume
- 89.5%
- on time (17th pctile)
- Vehicle loan or lease
- most-complained product
- 18
- 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.
U.S. Auto Credit Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
89.5% Among the lowest higher than 17% 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 34 in 2024 to 53 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 |
|---|---|
| 2014 | 1 |
| 2015 | 6 |
| 2016 | 6 |
| 2017 | 6 |
| 2018 | 3 |
| 2019 | 8 |
| 2020 | 9 |
| 2021 | 20 |
| 2022 | 17 |
| 2023 | 29 |
| 2024 | 34 |
| 2025 | 53 |
| 2026year in progress | 17 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for U.S. Auto Credit Corporation
The CFPB Consumer Complaint Database has logged 209 complaints against U.S. Auto Credit Corporation overall, with 60 of those filed in the trailing 12 months. Reports have come from consumers in 18 states and territories, making this a multi-regional complaint footprint. "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, U.S. Auto Credit Corporation posts a 89.5% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. The company's response carried a 17.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 5.7% 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 U.S. Auto Credit Corporation have?
U.S. Auto Credit Corporation has 209 total consumer complaints filed with the CFPB, with 60 filed in the last 12 months.
Does U.S. Auto Credit Corporation respond to complaints on time?
CFPB complaints against U.S. Auto Credit Corporation draw a 89.5% timely-response rate inside the expected window.
What product generates the most complaints for U.S. Auto Credit Corporation?
"Vehicle loan or lease" draws more CFPB complaints against U.S. Auto Credit Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with U.S. Auto Credit Corporation?
The most common issue reported by consumers about U.S. Auto Credit Corporation is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against U.S. Auto Credit Corporation?
You can file a complaint against U.S. Auto 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 U.S. Auto Credit Corporation?
Consumers in 18 states and territories have filed complaints about U.S. Auto Credit 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 U.S. Auto 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 (17.6% 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 U.S. Auto Credit Corporation have?
U.S. Auto Credit Corporation has 209 total consumer complaints filed with the CFPB, with 60 filed in the last 12 months.
Does U.S. Auto Credit Corporation respond to complaints on time?
CFPB complaints against U.S. Auto Credit Corporation draw a 89.5% timely-response rate inside the expected window.
What product generates the most complaints for U.S. Auto Credit Corporation?
"Vehicle loan or lease" draws more CFPB complaints against U.S. Auto Credit Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with U.S. Auto Credit Corporation?
The most common issue reported by consumers about U.S. Auto Credit Corporation is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against U.S. Auto Credit Corporation?
You can file a complaint against U.S. Auto 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 U.S. Auto Credit Corporation?
Consumers in 18 states and territories have filed complaints about U.S. Auto Credit 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.