CFPB · Narrative-heavy record
AC AutoPay LLC, Denver, CO Branch
195 CFPB complaints · 65.6% with narratives · top issue Getting a loan or lease.
AC AutoPay LLC, Denver, CO Branch: 65.6% of 195 filings include consumer narratives. Timely 63.1% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +1800% filings 2013 to 2026
CFPB relief outcome brief
CCDB company ac-autopay-llc-denver-co-branch
0% relief · 63.1% timely · 195 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
AC AutoPay LLC, Denver, CO Branch closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of AC AutoPay LLC, Denver, CO Branch's 195 filings include narrative text
65.6% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
AC AutoPay LLC, Denver, CO Branch complaint mix by product
- Vehicle loan 109 56.2% – 0% relief
- Credit reporting 31 16.0% – 0% relief
- Credit reporting, 20 10.3% – 0% relief
- Consumer Loan 16 8.2% – 0% relief
- Debt collection 12 6.2% – 0% relief
- Payday loan, 3 1.5% – 0% relief
- Payday loan, 3 1.5% – 0% relief
How AC AutoPay LLC, Denver, CO Branch's 195 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 109 |
| Credit reporting or other personal consumer reports | 31 |
| Credit reporting, credit repair services, or other personal consumer reports | 20 |
| Consumer Loan | 16 |
| Debt collection | 12 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Payday loan, title loan, or personal loan | 3 |
| Credit card or prepaid card | 1 |
Where AC AutoPay LLC, Denver, CO Branch complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 13.8% of this company's filings
AC AutoPay LLC, Denver, CO Branch rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 19
- +1800% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 27 |
| TX | 22 |
| FL | 20 |
| GA | 11 |
| AZ | 11 |
| IL | 10 |
| OH | 9 |
| NJ | 7 |
| MO | 7 |
| WA | 6 |
| NY | 6 |
| TN | 5 |
| CO | 4 |
| MI | 4 |
| VA | 3 |
| NE | 3 |
| SC | 3 |
| MD | 3 |
| WI | 3 |
| LA | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Getting a loan or lease | 73 |
| Improper use of your report | 44 |
| Managing the loan or lease | 18 |
| Problems at the end of the loan or lease | 14 |
| Incorrect information on your report | 12 |
| Problems when you are unable to pay | 7 |
| Communication tactics | 4 |
| Problem with the payoff process at the end of the loan | 3 |
| Taking out the loan or lease | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 3 |
| Attempts to collect debt not owed | 2 |
| Took or threatened to take negative or legal action | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Getting the loan | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| False statements or representation | 1 |
| Shopping for a loan or lease | 1 |
| Written notification about debt | 1 |
| Charged fees or interest you didn't expect | 1 |
| Trouble using your card | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 2 | 0% |
| 2015 | 10 | 90% |
| 2016 | 4 | 25% |
| 2017 | 6 | 0% |
| 2018 | 11 | 0% |
| 2019 | 12 | 0% |
| 2020 | 14 | 0% |
| 2021 | 15 | 0% |
| 2022 | 13 | 46.2% |
| 2023 | 19 | 100% |
| 2024 | 22 | 100% |
| 2025 | 47 | 100% |
| 2026 | 19 | 100% |
Source: CFPB Consumer Complaint Database
AC AutoPay LLC, Denver, CO Branch's narrative-rich complaint ledger
AC AutoPay LLC, Denver, CO Branch's 195 logged complaints stay concentrated: only 37 states show a filing. 65.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-24.
AC AutoPay LLC, Denver, CO Branch answers 63.1% of complaints inside the CFPB's tracked window and closes 72.8% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Getting a loan or lease."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about AC AutoPay LLC, Denver, CO Branch.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for AC AutoPay LLC, Denver, CO Branch: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 195.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 63.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for AC AutoPay LLC, Denver, CO Branch (63.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record