CFPB · Mid-pack CFPB posture
Pennsylvania Auto Credit, Inc.
16 CFPB complaints · 2 states · top issue Incorrect information on your report.
Pennsylvania Auto Credit, Inc. has 16 consumer complaints in the CFPB public database. Timely response is 100%; 25% closed with relief; top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company pennsylvania-auto-credit-inc
25% relief · 100% timely · 16 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: First Investors Servicing Corporation, Atlanta, GA Branch (24.7% relief)
Pennsylvania Auto Credit, Inc. closes 25% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Pennsylvania Auto Credit, Inc. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (54/100), 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
100 / 100 percentile-benchmarked
25% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
54 / 100 percentile-benchmarked
75% of complaints closed with an explanation to the consumer
How 16 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Pennsylvania Auto Credit, Inc. complaint mix by product
- Credit reporting, 6 37.5% – 17% relief
- Credit reporting 5 31.3% – 0% relief
- Vehicle loan 4 25.0% – 50% relief
- Consumer Loan 1 6.3% – 100% relief
How Pennsylvania Auto Credit, Inc.'s 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Vehicle loan or lease | 4 |
| Consumer Loan | 1 |
Concentrated filing states for Pennsylvania Auto Credit, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- PA
- 93.8% of this company's filings
Pennsylvania Auto Credit, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| PA | 15 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 7 |
| Improper use of your report | 3 |
| Struggling to pay your loan | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Getting a loan or lease | 1 |
| Managing the loan or lease | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2021 | 5 | 100% |
| 2022 | 2 | 100% |
| 2023 | 1 | 100% |
| 2024 | 4 | 100% |
| 2025 | 2 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Pennsylvania Auto Credit, Inc.
Pennsylvania Auto Credit, Inc.'s 16 logged complaints stay concentrated: only 2 states show a filing. Only 18.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-02-17.
Pennsylvania Auto Credit, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 75% with a written explanation. 25% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" 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 Pennsylvania Auto Credit, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pennsylvania 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: 16.
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 Pennsylvania Auto Credit, Inc. (100% timely; 25% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture