CFPB · Single-product concentration
Capital Auto Credit, LLC
6 CFPB complaints · 83.3% in "Vehicle loan or lease" · top issue Struggling to pay your loan.
Capital Auto Credit, LLC: 83.3% of 6 CFPB complaints sit in "Vehicle loan or lease". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- -50% filings 2021 to 2026
CFPB relief outcome brief
CCDB company capital-auto-credit-llc
0% relief · 100% timely · 6 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Capital Auto Credit, LLC 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.
Capital Auto Credit, LLC complaint mix by product
- Vehicle loan 5 83.3% – 0% relief
- Credit reporting, 1 16.7% – 0% relief
How Capital Auto Credit, LLC's 6 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 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Capital Auto Credit, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 83.3% of this company's filings
Capital Auto Credit, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2021
Top States
| State | Complaints |
|---|---|
| OH | 5 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 3 |
| Managing the loan or lease | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 2 | 100% |
| 2023 | 2 | 100% |
| 2025 | 1 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Capital Auto Credit, LLC filings cluster in one product
Capital Auto Credit, LLC's 6 logged complaints stay concentrated: only 2 states show a filing. 66.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-01-31.
Capital Auto Credit, LLC 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 "Struggling to pay your loan."
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 Capital Auto Credit, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Capital Auto Credit, LLC: 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: 6.
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 Capital Auto Credit, LLC (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration