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

CFPB complaint data Grade F 84 complaints

Automotive Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade F.

Complaints by issue type

What consumers report about Automotive Credit Corporation

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 84
  • GRADE F
  • 12MO 41
  • STATES 22
  • TIMELY 71%
  • DISPUTE 33%
  • ISSUE Took or threatened to take…
  • RANK #903
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: ACS Education Services (84 complaints)

ACS Education ServicesACS Education Services84Alexander-Rose Assoc, Inc.Alexander-Rose Assoc, Inc.84Avant Credit CorporationAvant Credit Corporation84CIG Financial LLCCIG Financial LLC84Automotive Credit Corporation (this)Automotive Credit Corporatio…84
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 →

How the 84 complaints break down

Every complaint issue type on record for Automotive Credit Corporation, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
45.3/100
Automotive Credit Corporation

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
84
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
71%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
33%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#903 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 CORPORATION National average
Complaints (last 12 mo)lower is better
41
31
268
Timely-response ratehigher is better
71%
92%
91%
Consumer-dispute ratelower is better
33%
21%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Automotive Credit Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 10%20%30%40%50% Timely response rate (%) Dispute rate (%) Automotive Credit Corporation vs. 10 similar-volume peers, by response speed and dispute rate Automotive Credit CorporationALEXANDER-ROSE ASSOC, INC.Avant Credit CorporationACS Education ServicesCIG FINANCIAL LLCCOLLECTION ASSOCIATES, LTD.Lustig, Glaser & Wilson, P.C.Midstate Collection Solutions, Inc.Rodenburg LLPSRA Associates, Inc.Statebridge Company
Source: CFPB Consumer Complaint Database

Automotive Credit Corporation's complaint volume in context

Automotive Credit Corporation vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

84 Top 17% higher than 83% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Automotive Credit Corporation 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Automotive Credit Corporation

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.