CFPB · Narrative-heavy record
First Texas Auto Credit, Inc.
26 CFPB complaints · 53.8% with narratives · top issue Repossession.
First Texas Auto Credit, Inc.: 53.8% of 26 filings include consumer narratives. Timely 100% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- +300% filings 2015 to 2026
CFPB relief outcome brief
CCDB company first-texas-auto-credit-inc
0% relief · 100% timely · 26 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
First Texas Auto Credit, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Texas Auto Credit, Inc.'s 26 filings include narrative text
53.8% 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.
First Texas Auto Credit, Inc. complaint mix by product
- Vehicle loan 13 50.0% – 0% relief
- Credit reporting 5 19.2% – 0% relief
- Debt collection 5 19.2% – 0% relief
- Credit reporting, 2 7.7% – 0% relief
- Consumer Loan 1 3.8% – 0% relief
How First Texas Auto Credit, Inc.'s 26 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 | 13 |
| Credit reporting or other personal consumer reports | 5 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Consumer Loan | 1 |
Concentrated filing states for First Texas Auto Credit, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 88.5% of this company's filings
First Texas Auto Credit, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +300% vs 2015
Top States
| State | Complaints |
|---|---|
| TX | 23 |
| NY | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Repossession | 8 |
| Incorrect information on your report | 4 |
| Struggling to pay your loan | 3 |
| Written notification about debt | 3 |
| Improper use of your report | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Took or threatened to take negative or legal action | 2 |
| Problems when you are unable to pay | 1 |
| Managing the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 1 | 100% |
| 2018 | 2 | 100% |
| 2021 | 4 | 100% |
| 2022 | 3 | 100% |
| 2023 | 3 | 100% |
| 2024 | 7 | 100% |
| 2025 | 2 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
First Texas Auto Credit, Inc.'s narrative-rich complaint ledger
First Texas Auto Credit, Inc.'s 26 logged complaints stay concentrated: only 2 states show a filing. 53.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-04-15.
First Texas Auto Credit, Inc. 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 "Repossession."
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 First Texas Auto Credit, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Texas Auto Credit, Inc.: 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: 26.
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 First Texas Auto Credit, Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record