What is the most common complaint against Automotive Services Finance, Inc.?

The most common issue consumers report about Automotive Services Finance, Inc. is "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This is based on 5 complaints filed with the CFPB.

Are complaints against Automotive Services Finance, Inc. increasing or decreasing?

Complaints against Automotive Services Finance, Inc. have been stable. The company received 1 complaints in the last 12 months.

What is Automotive Services Finance, Inc.'s reputation grade?

Automotive Services Finance, Inc. has a reputation grade of A (score: 79.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Automotive Services Finance, Inc. respond to consumer complaints?

Automotive Services Finance, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Automotive Services Finance, Inc. operate?

Automotive Services Finance, Inc. has received CFPB complaints from consumers in 4 states, with the most complaints from Virginia (2 complaints).

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

Automotive Services Finance, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

2
False statements or representation

1
Communication tactics

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record automotive-services-finance-inc Automotive Services Finance, Inc.

Grade A · 5 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3084 · compose #723

VOL 5
GRADE A
12MO 1
STATES 4
TIMELY 100%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #3,084
COMPOSE #723

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

Automotive Services Finance, Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections 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

40.0% of Automotive Services Finance, Inc.'s CFPB filings land in Virginia

High volume does not equal a clean composite: Automotive Services Finance, Inc. is volume #3,084 but composite #723, while Virginia dominates the geography. Corpus placement method.

Dominant state: Virginia 40.0%; 2 of 5 filings · 4 states touched
Spike month: 2014-10 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,084 volume; #723 composite; Cleanest-composite ladder is 2,361 places better than volume

How does Automotive Services Finance, Inc. compare to its peers?

How does Automotive Services Finance, Inc. 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 Services Fi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2014-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
False statements or representation	1
Communication tactics	1
Disclosure verification of debt	1

Where do complaints against Automotive Services Finance, Inc. come from?

Automotive Services Finance, Inc.'s own per-state count, not a national baseline.

Virginia

2
Georgia

1
Kentucky

1
Maryland

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Automotive Services Finance, Inc.: 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: 5.

4 peers

Know your rights before responding to Automotive Services Finance, Inc.: 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.