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

CFPB complaint data Grade D 12 complaints

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

CFPB complaint profile across 10 states, reputation grade D.

Complaints by issue type

What consumers report about AC AutoPay LLC, Denver, CO Branch

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: AC AutoPay LLC, Denver, CO Branch ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 12 all-time complaints and a 42% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
12
CFPB complaints, all-time
42%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 "Communication tactics", narrowing to "Debt was discharged in bankruptcy". The company posts a 42% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by Illinois with 2 and Texas with 2. 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.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

12

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

10

regional footprint

Timely response rate

42%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

D

56.8/100 composite

How does AC AutoPay LLC, Denver, CO Branch's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

AC AutoPay LLC, Denver, CO Branch versus the debt-collection vertical average.

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?

How does AC AutoPay LLC, Denver, CO Branch compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
AC AutoPay LLC, Denver… National average
Complaints (last 12 mo)lower is better
0
1
268
Timely-response ratehigher is better
42%
42%
91%
Consumer-dispute ratelower is better
0%
50%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-03 2025-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against AC AutoPay LLC, Denver, CO Branch

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if AC AutoPay LLC, Denver, CO Branch contacts you

A grade of D signals how AC AutoPay LLC, Denver, CO Branch's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really AC AutoPay LLC, Denver, CO Branch and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how AC AutoPay LLC, Denver, CO Branch ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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: 56.8/100), 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).

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

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.