CFPB · Narrative-heavy record
Auto Credit of Virginia Inc.
20 CFPB complaints · 70% with narratives · top issue Improper use of your report.
Auto Credit of Virginia Inc.: 70% of 20 filings include consumer narratives. Timely 100% · relief 5% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2023 to 2026
CFPB relief outcome brief
CCDB company auto-credit-of-virginia-inc
5% relief · 100% timely · 20 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: World Omni Financial Corp. (5.2% relief)
Auto Credit of Virginia Inc. closes 5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Auto Credit of Virginia Inc.'s 20 filings include narrative text
70% 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.
Auto Credit of Virginia Inc. complaint mix by product
- Vehicle loan 9 45.0% – 0% relief
- Debt collection 5 25.0% – 20% relief
- Credit reporting 5 25.0% – 0% relief
- Credit reporting, 1 5.0% – 0% relief
How Auto Credit of Virginia Inc.'s 20 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 | 9 |
| Debt collection | 5 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Auto Credit of Virginia Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- VA
- 65% of this company's filings
Auto Credit of Virginia Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 6
- 0% vs 2023
Top States
| State | Complaints |
|---|---|
| VA | 13 |
| WA | 3 |
| FL | 2 |
| TX | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 4 |
| Managing the loan or lease | 4 |
| Took or threatened to take negative or legal action | 3 |
| Repossession | 3 |
| Problems at the end of the loan or lease | 2 |
| Attempts to collect debt not owed | 1 |
| Electronic communications | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2023 | 6 | 100% |
| 2024 | 2 | 100% |
| 2025 | 6 | 100% |
| 2026 | 6 | 100% |
Source: CFPB Consumer Complaint Database
Auto Credit of Virginia Inc.'s narrative-rich complaint ledger
Auto Credit of Virginia Inc.'s 20 logged complaints stay concentrated: only 5 states show a filing. 70% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2023 through 2026-05-12.
Auto Credit of Virginia Inc. answers 100% of complaints inside the CFPB's tracked window and closes 95% with a written explanation. 5% 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 "Improper use of your report."
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 Auto Credit of Virginia Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Auto Credit of Virginia Inc.: 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: 20.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Auto Credit of Virginia Inc. (100% timely; 5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record