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.
- 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 →
Response Quality Score
Credit Acceptance Corporation scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (29/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
29 / 100 percentile-benchmarked
6.2% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
88 / 100 percentile-benchmarked
93.3% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Credit Acceptance Corporation sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Credit Acceptance Corporation files more complaint volume than 85% of them, and closes complaints with relief more often than 59% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 13,789 · Closed with relief: 6.2%
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