CFPB Consumer Complaint Profile

VW Credit

Consumers have filed 2,323 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

2,323
Total complaints
550
Last 12 months
99.8%
Timely response
52
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, VW Credit has accumulated 2,323 complaints, placing it #192 by volume. It answers 99.8% of complaints on time - above the 93% median for companies with 100+ complaints.

#192
of 3,848 companies by volume
99.8%
answered on time
Credit reporting or …
most-complained product
52
states with complaints
VW Credit timely response rate 99.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Credit reporting or other personal consumer reports - Credit reporting 556
Vehicle loan or lease - Lease 516
Vehicle loan or lease - Loan 441
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 345
Debt collection - Auto debt 129
Consumer Loan - Vehicle lease 105
Consumer Loan - Vehicle loan 89
Debt collection - I do not know 68
Debt collection - Auto 18
Credit card - General-purpose credit card or charge card 7

Top Issues

1.Incorrect information on your report 583
2.Managing the loan or lease 417
3.Problems at the end of the loan or lease 279
4.Improper use of your report 248
5.Problem with a company's investigation into an existing problem 124
6.Problem with a credit reporting company's investigation into an existing problem 114
7.Getting a loan or lease 91
8.Attempts to collect debt not owed 81
9.Struggling to pay your loan 65
10.Repossession 62

Complaints by Year

Year Complaints
2012 4
2013 23
2014 28
2015 51
2016 84
2017 110
2018 94
2019 111
2020 156
2021 210
2022 182
2023 271
2024 342
2025 530
2026 127

Complaints by State (Top 15)

California 410
Florida 339
Texas 206
New York 155
Georgia 145
New Jersey 111
Illinois 90
Virginia 69
Pennsylvania 66
North Carolina 59
Ohio 52
Massachusetts 48
Maryland 46
Arizona 41
Nevada 41

Company Responses

Closed with explanation 1,783
Closed with non-monetary relief 325
Closed with monetary relief 201
In progress 11
Closed 3

What the CFPB Complaint Record Shows for VW Credit

VW Credit carries 2,323 complaints in the CFPB's database, 550 of them filed within the past 12 months. Consumers spanning 52 states and territories have weighed in, giving this a nationwide 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.

VW Credit's timely response rate stands at 99.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response was formally disputed in 21.3% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 22.6% 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 VW Credit have?

2,323 complaints have been filed against VW Credit with the CFPB overall - 550 of them in the past year.

Does VW Credit respond to complaints on time?

VW Credit's CFPB timely-response rate is 99.8%. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for VW Credit?

Among all products tied to VW Credit, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with VW Credit?

Consumers most often cite "Incorrect information on your report" when complaining about VW Credit; the full issue list with counts is above.

How do I file a complaint against VW Credit?

You can file a complaint against VW Credit 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 VW Credit?

Consumers in 52 states and territories have filed complaints about VW Credit 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.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.