What is the most common complaint against Automotive Credit Corporation?

The most common issue consumers report about Automotive Credit Corporation is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 84 complaints filed with the CFPB.

Are complaints against Automotive Credit Corporation increasing or decreasing?

Complaints against Automotive Credit Corporation are rising. The company received 41 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Automotive Credit Corporation's reputation grade?

Automotive Credit Corporation has a reputation grade of F (score: 45.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Automotive Credit Corporation respond to consumer complaints?

Automotive Credit Corporation has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does Automotive Credit Corporation operate?

Automotive Credit Corporation has received CFPB complaints from consumers in 22 states, with the most complaints from Florida (17 complaints).

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

Automotive Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

30
Attempts to collect debt not owed

24
False statements or representation

10
Written notification about debt

9
Communication tactics

6
Cont'd attempts collect debt not owed

3

Data updated September 2026

CFPB complaint disposition

CCDB record automotive-credit-corporation Automotive Credit Corporation

Grade F · 84 CFPB filings · 71% timely · lead issue: Took or threatened to take negative or legal action · vol #903 · compose #4588

VOL 84
GRADE F
12MO 41
STATES 22
TIMELY 71%
DISPUTE 33%
ISSUE Took or threatened to take…
RANK #903
COMPOSE #4,588

Volume peers

Nearest volume peer: ACS Education Services (84 complaints)

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

Automotive Credit Corporation's 84 CFPB complaints sit next to ACS Education Services 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 →

Filing geometry

Florida is the plurality state for Automotive Credit Corporation (20.2%)

Volume rank #903 and composite rank #4,588 diverge by 3,685 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 20.2%; Mid-band (15–30%) · 22 states with ≥1 filing
Seasonal peak: 2025-11 14.4%; 8–15% band · 13 filings
Divergent corpus ranks: #903 volume; #4,588 composite; Cleanest-composite ladder is 3,685 places worse than volume

How does Automotive Credit Corporation compare to its peers?

How does AUTOMOTIVE CREDIT CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

AUTOMOTIVE CREDIT CORP… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

71%

92%

91%

Consumer-dispute ratelower is better

33%

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	30
Attempts to collect debt not owed	24
False statements or representation	10
Written notification about debt	9
Communication tactics	6
Cont'd attempts collect debt not owed	3
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Automotive Credit Corporation come from?

Automotive Credit Corporation's own per-state count, not a national baseline.

Florida

17
Texas

12
Arizona

9
Michigan

9
California

5
Illinois

4
Nevada

4
Ohio

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Automotive Credit Corporation: 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: 84.

4 peers

Know your rights before responding to Automotive Credit Corporation: 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.