What is the most common complaint against U.S. Auto Credit Corporation?

The most common issue consumers report about U.S. Auto Credit Corporation is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 78 complaints filed with the CFPB.

Are complaints against U.S. Auto Credit Corporation increasing or decreasing?

Complaints against U.S. Auto Credit Corporation are rising. The company received 24 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is U.S. Auto Credit Corporation's reputation grade?

U.S. Auto Credit Corporation has a reputation grade of D (score: 55.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does U.S. Auto Credit Corporation respond to consumer complaints?

U.S. Auto Credit Corporation has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does U.S. Auto Credit Corporation operate?

U.S. Auto Credit Corporation has received CFPB complaints from consumers in 14 states, with the most complaints from Georgia (19 complaints).

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

U.S. Auto Credit Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

21
Attempts to collect debt not owed

20
Written notification about debt

14
False statements or representation

12
Communication tactics

5
Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record us-auto-credit-corporation U.S. Auto Credit Corporation

Grade D · 78 CFPB filings · 93% timely · lead issue: Took or threatened to take negative or legal action · vol #940 · compose #3263

VOL 78
GRADE D
12MO 24
STATES 14
TIMELY 93%
DISPUTE 25%
ISSUE Took or threatened to take…
RANK #940
COMPOSE #3,263

Volume peers

Nearest volume peer: Autovest, L.L.C. (78 complaints)

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

U.S. Auto Credit Corporation's 78 CFPB complaints sit next to Autovest, L.L.C. 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 →

Steady monthly series

Georgia is the plurality state for U.S. Auto Credit Corporation (24.4%)

Volume rank #940 and composite rank #3,263 diverge by 2,323 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 24.4%; Mid-band (15–30%) · 14 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2025-07 at 6.9% (18 filings)
Divergent corpus ranks: #940 volume; #3,263 composite; Cleanest-composite ladder is 2,323 places worse than volume

How does U.S. Auto Credit Corporation compare to its peers?

How does U.S. Auto 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

U.S. Auto Credit Corpo… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

64%

91%

Consumer-dispute ratelower is better

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	21
Attempts to collect debt not owed	20
Written notification about debt	14
False statements or representation	12
Communication tactics	5
Cont'd attempts collect debt not owed	2
Improper contact or sharing of info	2
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against U.S. Auto Credit Corporation come from?

U.S. Auto Credit Corporation's own per-state count, not a national baseline.

Georgia

19
Florida

15
South Carolina

9
Alabama

7
North Carolina

7
Virginia

5
Tennessee

4
Maryland

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for U.S. Auto 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: 78.

4 peers

Know your rights before responding to U.S. Auto 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.