Total CFPB complaints
12
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 12 complaints
AC AutoPay LLC, Denver, CO Branch — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AC AutoPay LLC, Denver, CO Branch
- Communication tactics
Communication tactics
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 56.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about AC AutoPay LLC, Denver, CO Branch?
AC AutoPay LLC, Denver, CO Branch has accumulated 12 total CFPB complaints across 10 states, with 0 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was discharged in bankruptcy", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 42% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by Illinois with 2 and Texas with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places AC AutoPay LLC, Denver, CO Branch in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
10
Distinct state filings
Timely response rate
42%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
56.8/100 composite
Response-quality profile
How AC AutoPay LLC, Denver, CO Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 41.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does AC AutoPay LLC, Denver, CO Branch compare to its peers?
AC AutoPay LLC, Denver… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-12 2025-03
Top Consumer Issues
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics4 (%)
Attempts to collect debt not owed2 (%)
False statements or representation1 (%)
Written notification about debt1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against AC AutoPay LLC, Denver, CO Branch come from?
The states where consumers have filed the most CFPB complaints against AC AutoPay LLC, Denver, CO Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AC AutoPay LLC, Denver, CO Branch
Across 10 states with at least one filing
- Illinois
Illinois
2 complaints
- Texas
Texas
2 complaints
- Florida
Florida
1 complaints
- Mississippi
Mississippi
1 complaints
- Ohio
Ohio
1 complaints
- Iowa
Iowa
1 complaints
- South Carolina
South Carolina
1 complaints
- Virginia
Virginia
1 complaints
Frequently Asked Questions
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 "Cont'd attempts collect debt not owed", 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: 56.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if AC AutoPay LLC, Denver, CO Branch is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If AC AutoPay LLC, Denver, CO Branch violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |