What is the most common complaint against Auto Finance Center?

The most common issue consumers report about Auto Finance Center is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 3 complaints filed with the CFPB.

Are complaints against Auto Finance Center increasing or decreasing?

Complaints against Auto Finance Center are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Auto Finance Center's reputation grade?

Auto Finance Center has a reputation grade of F (score: 36.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Auto Finance Center respond to consumer complaints?

Auto Finance Center has a 0% timely response rate to CFPB complaints.

In how many states does Auto Finance Center operate?

Auto Finance Center has received CFPB complaints from consumers in 3 states, with the most complaints from North Carolina (1 complaints).

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

Auto Finance Center - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record auto-finance-center Auto Finance Center

Grade F · 3 CFPB filings · 0% timely · lead issue: Took or threatened to take negative or legal action · vol #3574 · compose #5065

VOL 3
GRADE F
12MO 2
STATES 3
TIMELY 0%
ISSUE Took or threatened to take…
RANK #3,574
COMPOSE #5,065

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

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

Auto Finance Center's 3 CFPB complaints sit next to 950 Credit 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

33.3% of Auto Finance Center's CFPB filings land in North Carolina

High volume does not equal a clean composite: Auto Finance Center is volume #3,574 but composite #5,065, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 33.3%; 1 of 3 filings · 3 states touched
Spike month: 2014-04 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,574 volume; #5,065 composite; Cleanest-composite ladder is 1,491 places worse than volume

How does Auto Finance Center compare to its peers?

How does Auto Finance Center 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 Finance Center National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-04 2015-10

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
False statements or representation	1

Where do complaints against Auto Finance Center come from?

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

North Carolina

1
South Carolina

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Auto Finance Center: 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: 3.

4 peers

Know your rights before responding to Auto Finance Center: 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.