What is the most common complaint against 1 Auto Finance, Inc.?

The most common issue consumers report about 1 Auto Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2 complaints filed with the CFPB.

Are complaints against 1 Auto Finance, Inc. increasing or decreasing?

Complaints against 1 Auto Finance, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is 1 Auto Finance, Inc.'s reputation grade?

1 Auto Finance, Inc. has a reputation grade of F (score: 39.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does 1 Auto Finance, Inc. respond to consumer complaints?

1 Auto Finance, Inc. has a 0% timely response rate to CFPB complaints.

In how many states does 1 Auto Finance, Inc. operate?

1 Auto Finance, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Oklahoma (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

1 Auto Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record 1-auto-finance-inc 1 Auto Finance, Inc.

Grade F · 2 CFPB filings · 0% timely · lead issue: Attempts to collect debt not owed · vol #3877 · compose #4903

VOL 2
GRADE F
12MO 1
STATES 1
TIMELY 0%
ISSUE Attempts to collect debt n…
RANK #3,877
COMPOSE #4,903

Volume peers

Nearest volume peer: 1st Alliance Lending, LLC (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

1 Auto Finance, Inc.'s 2 CFPB complaints sit next to 1st Alliance Lending, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

100.0% of 1 Auto Finance, Inc.'s CFPB filings land in Oklahoma

High volume does not equal a clean composite: 1 Auto Finance, Inc. is volume #3,877 but composite #4,903, while Oklahoma dominates the geography. Corpus placement method.

Dominant state: Oklahoma 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2017-04 20.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,877 volume; #4,903 composite; Cleanest-composite ladder is 1,026 places worse than volume

How does 1 Auto Finance, Inc. compare to its peers?

How does 1 Auto Finance, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

1 Auto Finance, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2025-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2

Where do complaints against 1 Auto Finance, Inc. come from?

1 Auto Finance, Inc.'s own per-state count, not a national baseline.

Oklahoma

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for 1 Auto Finance, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2.

4 peers

Know your rights before responding to 1 Auto Finance, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.