Total CFPB complaints
26
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 26 complaints
Premier Auto Credit — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Premier Auto Credit
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- False statements or representation
False statements or representation
8 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
C
Grade C · 59.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Premier Auto Credit?
Premier Auto Credit has accumulated 26 total CFPB complaints across 7 states, with 11 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 42.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by California with 20 and Washington with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.7/100 places Premier Auto Credit in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
11
42.3% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
59.7/100 composite
Response-quality profile
How Premier Auto Credit performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Premier Auto Credit compare to its peers?
Premier Auto Credit 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)
2018-07 2026-03
Top Consumer Issues
Attempts to collect debt not owed12 (%)
False statements or representation8 (%)
Took or threatened to take negative or legal action3 (%)
Communication tactics2 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 8 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against Premier Auto Credit come from?
The states where consumers have filed the most CFPB complaints against Premier Auto Credit. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Premier Auto Credit
Across 7 states with at least one filing
- California
California
20 complaints
- Washington 1
Washington
1 complaints
- Arkansas 1
Arkansas
1 complaints
- Texas 1
Texas
1 complaints
- Arizona 1
Arizona
1 complaints
- Nevada 1
Nevada
1 complaints
- Kansas 1
Kansas
1 complaints
Frequently Asked Questions
What is the most common complaint against Premier Auto Credit? ▼
The most common issue consumers report about Premier Auto Credit is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 26 complaints filed with the CFPB.
Are complaints against Premier Auto Credit increasing or decreasing? ▼
Complaints against Premier Auto Credit are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Premier Auto Credit's reputation grade? ▼
Premier Auto Credit has a reputation grade of C (score: 59.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Premier Auto Credit respond to consumer complaints? ▼
Premier Auto Credit has a 100% timely response rate to CFPB complaints.
In how many states does Premier Auto Credit operate? ▼
Premier Auto Credit has received CFPB complaints from consumers in 7 states, with the most complaints from California (20 complaints).
What can I do if Premier Auto Credit 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 Premier Auto Credit 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 |