Credit Acceptance Corporation Consumer Complaints
Credit Acceptance Corporation has received 13,514 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 13,514 total complaints on file with the CFPB.
- Most complaints are about Vehicle loan or lease (5,005).
- Timely response rate: 99.8%.
- Consumer disputed rate: 18.3% of resolved complaints.
Complaints by Product
The following table shows how complaints against Credit Acceptance Corporation break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Vehicle loan or lease | 5,005 | 37.0% |
| Credit reporting or other personal consumer reports | 3,479 | 25.7% |
| Debt collection | 2,368 | 17.5% |
| Credit reporting, credit repair services, or other personal consumer reports | 2,048 | 15.2% |
| Consumer Loan | 425 | 3.1% |
| Payday loan, title loan, or personal loan | 59 | 0.4% |
| Payday loan, title loan, personal loan, or advance loan | 34 | 0.3% |
| Debt or credit management | 27 | 0.2% |
| Credit card | 26 | 0.2% |
| Credit card or prepaid card | 16 | 0.1% |
| Credit reporting | 9 | 0.1% |
| Checking or savings account | 7 | 0.1% |
| Money transfer, virtual currency, or money service | 7 | 0.1% |
| Bank account or service | 3 | 0.0% |
| Mortgage | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Credit Acceptance Corporation.
Company Response Breakdown
When consumers file complaints, Credit Acceptance Corporation responds in one of several ways. The breakdown below shows how Credit Acceptance Corporation has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 12,648 | 93.6% |
| Closed with monetary relief | 674 | 5% |
| Closed with non-monetary relief | 184 | 1.4% |
| In progress | 8 | 0.1% |
Complaints by State
Top states where consumers have filed complaints against Credit Acceptance Corporation.
| State | Complaints |
|---|---|
| Michigan | 1,380 |
| New York | 960 |
| Texas | 881 |
| New Jersey | 741 |
| Pennsylvania | 739 |
| Georgia | 731 |
| Florida | 666 |
| Ohio | 660 |
| Illinois | 544 |
| Alabama | 539 |
| Tennessee | 481 |
| Louisiana | 458 |
| Maryland | 433 |
| Mississippi | 417 |
| North Carolina | 402 |
| California | 368 |
| Virginia | 332 |
| Indiana | 324 |
| South Carolina | 259 |
| Arkansas | 210 |
Your Rights
What to do if you have a complaint against Credit Acceptance Corporation
- Contact Credit Acceptance Corporation directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Credit Acceptance Corporation have?
Credit Acceptance Corporation has 13,514 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Credit Acceptance Corporation?
The most common issue reported is Incorrect information on your report with 3,317 complaints.
-
How do I file a complaint against Credit Acceptance Corporation?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Credit Acceptance Corporation respond to complaints on time?
Credit Acceptance Corporation has a 99.8% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.