What is the most common complaint against AC AutoPay LLC, Denver, CO Branch?

The most common issue consumers report about AC AutoPay LLC, Denver, CO Branch is "Communication tactics", specifically "Debt was discharged in bankruptcy". This is based on 12 complaints filed with the CFPB.

Are complaints against AC AutoPay LLC, Denver, CO Branch increasing or decreasing?

Complaints against AC AutoPay LLC, Denver, CO Branch are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is AC AutoPay LLC, Denver, CO Branch's reputation grade?

AC AutoPay LLC, Denver, CO Branch has a reputation grade of D (score: 52.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does AC AutoPay LLC, Denver, CO Branch respond to consumer complaints?

AC AutoPay LLC, Denver, CO Branch has a 42% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does AC AutoPay LLC, Denver, CO Branch operate?

AC AutoPay LLC, Denver, CO Branch has received CFPB complaints from consumers in 10 states, with the most complaints from Illinois (2 complaints).

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

AC AutoPay LLC, Denver, CO Branch - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade D.

Compiled by PlainCollector

Communication tactics

4
Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

2
Cont'd attempts collect debt not owed

2
Written notification about debt

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record ac-autopay-llc-denver-co-branch AC AutoPay LLC, Denver, CO Branch

Grade D · 12 CFPB filings · 42% timely · lead issue: Communication tactics · vol #2288 · compose #3792

VOL 12
GRADE D
12MO 0
STATES 10
TIMELY 42%
DISPUTE 0%
ISSUE Communication tactics
RANK #2,288
COMPOSE #3,792

Volume peers

Nearest volume peer: 1803 Capital, LLC (12 complaints)

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

AC AutoPay LLC, Denver, CO Branch's 12 CFPB complaints sit next to 1803 Capital, 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 →

Spiky monthly series

Illinois is the plurality state for AC AutoPay LLC, Denver, CO Branch (16.7%)

The 2015-03 spike coincides with a 1,504-place gap between volume rank #2,288 and composite #3,792. Corpus placement method.

Plurality state: Illinois 16.7%; Mid-band (15–30%) · 10 states with ≥1 filing
Spike month: 2015-03 16.7%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,288 volume; #3,792 composite; Cleanest-composite ladder is 1,504 places worse than volume

How does AC AutoPay LLC, Denver, CO Branch compare to its peers?

How does AC AutoPay LLC, Denver, CO Branch compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AC AutoPay LLC, Denver… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

42%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2025-02

Issue Detail Breakdown

Issue	Complaints
Communication tactics	4
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	2
Cont'd attempts collect debt not owed	2
Written notification about debt	1
False statements or representation	1

Where do complaints against AC AutoPay LLC, Denver, CO Branch come from?

AC AutoPay LLC, Denver, CO Branch's own per-state count, not a national baseline.

Illinois

2
Texas

2
California

1
Florida

1
Iowa

1
Mississippi

1
Missouri

1
Ohio

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for AC AutoPay LLC, Denver, CO Branch: 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: 12.

4 peers

Know your rights before responding to AC AutoPay LLC, Denver, CO Branch: 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.