Credit Acceptance Corporation
13.8K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Credit Acceptance Corporation's 13.8K 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 | 5.1K |
| 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Credit Acceptance Corporation
Credit Acceptance Corporation's 13,789 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. 48.3% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2012 through 2026-06-26.
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.
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.
Frequently Asked Questions
How many CFPB complaints does Credit Acceptance Corporation have?
13,789, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Credit Acceptance Corporation respond to complaints on time?
99.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Credit Acceptance Corporation?
"Incorrect information on your report", filed under the "Vehicle loan or lease" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.