Total CFPB complaints
68
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 68 complaints
AUTOMOTIVE CREDIT CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about AUTOMOTIVE CREDIT CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
20 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
17 complaints
- False statements or representation
False statements or representation
9 complaints
- Written notification about debt
Written notification about debt
8 complaints
- Communication tactics 6
Communication tactics
6 complaints
F
Grade F · 48.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about AUTOMOTIVE CREDIT CORPORATION?
AUTOMOTIVE CREDIT CORPORATION has accumulated 68 total CFPB complaints across 22 states, with 28 filed in the most recent 12 months against 40 historical complaints before that window. The trailing-12-month volume represents 41.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 33% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by Florida with 12 and Texas with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places AUTOMOTIVE CREDIT CORPORATION in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
28
41.2% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
F
48.7/100 composite
Response-quality profile
How AUTOMOTIVE CREDIT CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 70.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does AUTOMOTIVE CREDIT CORPORATION compare to its peers?
AUTOMOTIVE CREDIT CORP… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-03 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action17 (%)
Attempts to collect debt not owed20 (%)
False statements or representation9 (%)
Written notification about debt8 (%)
Communication tactics6 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
Where do complaints against AUTOMOTIVE CREDIT CORPORATION come from?
The states where consumers have filed the most CFPB complaints against AUTOMOTIVE CREDIT CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against AUTOMOTIVE CREDIT CORPORATION
Across 22 states with at least one filing
- Florida
Florida
12 complaints
- Texas
Texas
9 complaints
- Michigan
Michigan
9 complaints
- Arizona
Arizona
6 complaints
- California
California
5 complaints
- Ohio 4
Ohio
4 complaints
- Illinois 3
Illinois
3 complaints
- Indiana 3
Indiana
3 complaints
Frequently Asked Questions
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 68 complaints filed with the CFPB.
Are complaints against AUTOMOTIVE CREDIT CORPORATION increasing or decreasing? ▼
Complaints against AUTOMOTIVE CREDIT CORPORATION are rising. The company received 28 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: 48.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (12 complaints).
What can I do if AUTOMOTIVE CREDIT CORPORATION is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If AUTOMOTIVE CREDIT CORPORATION violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |