CFPB · Heavy filing volume
Credit Acceptance Corporation
13.8K CFPB complaints (heavy-volume third) · 56 states · top issue Incorrect information on your report.
Credit Acceptance Corporation is in the heavy-volume third with 13.8K CFPB complaints (ranks #53 of 342). Timely 99.8% · relief 6.2% · top product Vehicle loan or lease. Allegations, not findings.
- Volume rank #53 of 342
- Heavy filing volume
- +23800% filings 2012 to 2026
CFPB relief outcome brief
CCDB company credit-acceptance-corporation
6.2% relief · 99.8% timely · 13.8K filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: North State Acceptance, LLC (6.3% relief)
Credit Acceptance Corporation closes 6.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Credit Acceptance Corporation's 13.8K filings include narrative text
48.3% 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.
Credit Acceptance Corporation complaint mix by product
- Vehicle loan 5K 37.2% – 7% relief
- Credit reporting 4K 26.3% – 5% relief
- Debt collection 2K 17.8% – 6% relief
- Credit reporting, 2K 15.0% – 5% relief
- Consumer Loan 424 3.1% – 13% relief
- Payday loan, 59 0.4% – 14% relief
- Payday loan, 34 0.2% – 15% relief
Heavy-volume mix: how Credit Acceptance Corporation's 13.8K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 5.1K |
| Credit reporting or other personal consumer reports | 3.6K |
| Debt collection | 2.4K |
| Credit reporting, credit repair services, or other personal consumer reports | 2.0K |
| Consumer Loan | 424 |
| Payday loan, title loan, or personal loan | 59 |
| Payday loan, title loan, personal loan, or advance loan | 34 |
| Debt or credit management | 27 |
| Credit card | 26 |
| Credit card or prepaid card | 16 |
| Credit reporting | 9 |
| Money transfer, virtual currency, or money service | 7 |
| Checking or savings account | 7 |
| Bank account or service | 3 |
| Mortgage | 1 |
Nationwide filing states for Credit Acceptance Corporation
Top states by attributed volume, heavy-filing company
- Leading state
- MI
- 10.2% of this company's filings
Credit Acceptance Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.7K
- +23800% vs 2012
Top States
| State | Complaints |
|---|---|
| MI | 1.4K |
| NY | 973 |
| TX | 895 |
| NJ | 753 |
| PA | 752 |
| GA | 742 |
| FL | 683 |
| OH | 676 |
| IL | 558 |
| AL | 550 |
| TN | 488 |
| LA | 462 |
| MD | 444 |
| MS | 422 |
| NC | 412 |
| CA | 373 |
| VA | 343 |
| IN | 333 |
| SC | 267 |
| MO | 217 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 3.4K |
| Improper use of your report | 1.6K |
| Managing the loan or lease | 1.6K |
| Repossession | 1.0K |
| Attempts to collect debt not owed | 882 |
| Problem with a company's investigation into an existing problem | 797 |
| Struggling to pay your loan | 791 |
| Getting a loan or lease | 693 |
| Took or threatened to take negative or legal action | 541 |
| Problem with a credit reporting company's investigation into an existing problem | 523 |
| False statements or representation | 393 |
| Problems at the end of the loan or lease | 348 |
| Written notification about debt | 333 |
| Communication tactics | 172 |
| Problems when you are unable to pay | 171 |
| Credit monitoring or identity theft protection services | 84 |
| Taking out the loan or lease | 66 |
| Cont'd attempts collect debt not owed | 40 |
| Threatened to contact someone or share information improperly | 27 |
| Shopping for a loan or lease | 25 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 7 | 100% |
| 2013 | 57 | 100% |
| 2014 | 110 | 100% |
| 2015 | 136 | 100% |
| 2016 | 169 | 100% |
| 2017 | 260 | 100% |
| 2018 | 315 | 100% |
| 2019 | 357 | 100% |
| 2020 | 678 | 99.9% |
| 2021 | 1.0K | 99.3% |
| 2022 | 1.2K | 99.7% |
| 2023 | 1.9K | 99.5% |
| 2024 | 2.3K | 99.8% |
| 2025 | 3.6K | 99.9% |
| 2026 | 1.7K | 99.8% |
Source: CFPB Consumer Complaint Database
Credit Acceptance Corporation in the heavy-volume third
Credit Acceptance Corporation's 13,789 logged complaints reach a nationwide footprint - 56 states have at least one filing. 48.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#53 of 342).
Credit Acceptance Corporation answers 99.8% of complaints inside the CFPB's tracked window and closes 93.3% with a written explanation. 6.2% 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 "Incorrect information on 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 Credit Acceptance Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Credit Acceptance Corporation: 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: 13.8K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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 Credit Acceptance Corporation (#53 of 342; 99.8% timely; 6.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume