What is the most common complaint against Auto Credit of Virginia Inc.?

The most common issue consumers report about Auto Credit of Virginia Inc. is "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This is based on 5 complaints filed with the CFPB.

Are complaints against Auto Credit of Virginia Inc. increasing or decreasing?

Complaints against Auto Credit of Virginia Inc. are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Auto Credit of Virginia Inc.'s reputation grade?

Auto Credit of Virginia Inc. has a reputation grade of B (score: 67.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Auto Credit of Virginia Inc. respond to consumer complaints?

Auto Credit of Virginia Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Auto Credit of Virginia Inc. operate?

Auto Credit of Virginia Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Washington (3 complaints).

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

Auto Credit of Virginia Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

3
Attempts to collect debt not owed

1
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record auto-credit-of-virginia-inc Auto Credit of Virginia Inc.

Grade B · 5 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #3079 · compose #1515

VOL 5
GRADE B
12MO 2
STATES 3
TIMELY 100%
ISSUE Took or threatened to take…
RANK #3,079
COMPOSE #1,515

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

Auto Credit of Virginia Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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

60.0% of Auto Credit of Virginia Inc.'s CFPB filings land in Washington

High volume does not equal a clean composite: Auto Credit of Virginia Inc. is volume #3,079 but composite #1,515, while Washington dominates the geography. Corpus placement method.

Dominant state: Washington 60.0%; 3 of 5 filings · 3 states touched
Spike month: 2020-12 18.2%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,079 volume; #1,515 composite; Cleanest-composite ladder is 1,564 places better than volume

How does Auto Credit of Virginia Inc. compare to its peers?

How does Auto Credit of Virginia 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

Auto Credit of Virgini… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

20%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-04 2021-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	3
Attempts to collect debt not owed	1
Electronic communications	1

Where do complaints against Auto Credit of Virginia Inc. come from?

Auto Credit of Virginia Inc.'s own per-state count, not a national baseline.

Washington

3
Florida

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Auto Credit of Virginia 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: 5.

4 peers

Know your rights before responding to Auto Credit of Virginia 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.