CFPB · Narrative-heavy record
Auto Credit USA
8 CFPB complaints · 50% with narratives · top issue Getting a loan or lease.
Auto Credit USA: 50% of 8 filings include consumer narratives. Timely 100% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- -75% filings 2024 to 2026
CFPB relief outcome brief
CCDB company auto-credit-usa
0% relief · 100% timely · 8 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Auto Credit USA closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Auto Credit USA complaint mix by product
- Vehicle loan 5 62.5% – 0% relief
- Debt collection 3 37.5% – 0% relief
How Auto Credit USA's 8 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 | 5 |
| Debt collection | 3 |
Concentrated filing states for Auto Credit USA
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 50% of this company's filings
Auto Credit USA falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -75% vs 2024
Top States
| State | Complaints |
|---|---|
| OH | 4 |
| IN | 3 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Getting a loan or lease | 1 |
| Repossession | 1 |
| Took or threatened to take negative or legal action | 1 |
| Attempts to collect debt not owed | 1 |
| Written notification about debt | 1 |
| Managing the loan or lease | 1 |
| Struggling to pay your loan | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 4 | 100% |
| 2025 | 3 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Auto Credit USA's narrative-rich complaint ledger
Auto Credit USA's 8 logged complaints stay concentrated: only 3 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-03-18.
Auto Credit USA answers 100% of complaints inside the CFPB's tracked window and closes 100% 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 Auto Credit USA.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Auto Credit USA: 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: 8.
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 USA (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record