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

Data updated July 2026

F

Grade F · 48.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Automotive Credit Corporation ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 84 all-time complaints and a 71% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
84
CFPB complaints, all-time
71%
answered inside the CFPB window
41
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Automotive Credit Corporation?

Automotive Credit Corporation has accumulated 84 total CFPB complaints across 22 states, with 41 filed in the most recent 12 months against 43 historical complaints before that window. The trailing-12-month volume represents 48.8% 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". The company posts a 71% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Florida with 17 and Texas with 12. Normalized against the full CFPB collector database, the reputation score of 48.7/100 places Automotive Credit Corporation in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

84

low-volume (CCDB)

Last 12 months

41

48.8% of all-time complaints

Rising ↑

States active

22

multi-region footprint

Timely response rate

71%

below sla band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

F

48.7/100 composite

How does Automotive Credit Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Automotive Credit Corporation versus the debt-collection vertical average.

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) 33.3%
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?

How does AUTOMOTIVE CREDIT CORPORATION compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
AUTOMOTIVE CREDIT CORP… 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.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Automotive Credit Corporation contacts you

A grade of F signals how Automotive Credit Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Automotive Credit Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Automotive Credit Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 48.7/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.