Auto lender · complaint record
AC AutoPay LLC, Denver, CO Branch complaints
Consumers have filed 211 complaints about AC AutoPay LLC, Denver, CO Branch since 2013, 38 of them in the last 12 months (-22% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is getting a loan or lease. It is the 22nd most complained-about of 193 auto lenders this year.
Average response record. How it works
- Complaints on record
- 211
- Last 12 months
- 38
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #22 of 193
Since December 2013
-22% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Nov 5, 2026
Most complained-about auto lenders
AC AutoPay LLC, Denver, CO Branch complaints by month
The busiest month was April 2025 (8 complaints). Complaints in the last 12 months are down 22% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How AC AutoPay LLC, Denver, CO Branch answered last 12 months
- Closed with explanation38100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-22% vs last year
What AC AutoPay LLC, Denver, CO Branch complaints are about
Top AC AutoPay LLC, Denver, CO Branch problems
Inside "Getting a loan or lease"
- Confusing or misleading advertising or marketing 44
- Changes in terms mid-deal or after closing 20
- Credit denial 8
- Problem with signing the paperwork 4
- Fraudulent loan 3
- Problem with additional add-on products or services purchased with the loan 2
Where AC AutoPay LLC, Denver, CO Branch complaints come from
Most complaints: California (28), Texas (24), Florida (23), Illinois (12), Arizona (12).
AC AutoPay LLC, Denver, CO Branch compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Premier Auto CreditAuto loans & leases | 48 | 43 | D |
| 2 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 3 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 4 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 5 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 6 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 7 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 8 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
Compare side by side: AC AutoPay LLC, Denver, CO Branch vs Premier Auto Credit · AC AutoPay LLC, Denver, CO Branch vs The Savings Group · AC AutoPay LLC, Denver, CO Branch vs CARS Acquisition · AC AutoPay LLC, Denver, CO Branch vs EA Holdings
What people say about AC AutoPay LLC, Denver, CO Branch
All experiencesNo experiences with AC AutoPay LLC, Denver, CO Branch yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest AC AutoPay LLC, Denver, CO Branch complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Nov 2, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 29, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 12, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 7, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 6, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 5, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Oct 4, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 19, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Sep 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 11, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | Explained |
Questions about AC AutoPay LLC, Denver, CO Branch
How many complaints does AC AutoPay LLC, Denver, CO Branch have?
AC AutoPay LLC, Denver, CO Branch has 211 complaints on record since December 2013, including 38 in the last 12 months and 4 in the last 30 days. That makes it number 780 of every company by complaints this year.
Does AC AutoPay LLC, Denver, CO Branch respond to complaints?
Yes. AC AutoPay LLC, Denver, CO Branch answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with AC AutoPay LLC, Denver, CO Branch?
The most common problems are getting a loan or lease (83), improper use of your report (47), managing the loan or lease (19).
Is AC AutoPay LLC, Denver, CO Branch legit?
AC AutoPay LLC, Denver, CO Branch is a real company with a public complaint record: consumers have complained about it 211 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is AC AutoPay LLC, Denver, CO Branch legit? for the signals, red flags and how to protect yourself.
Are complaints about AC AutoPay LLC, Denver, CO Branch going up or down?
Down. There were 38 complaints in the last 12 months against 49 in the 12 before (-22%). See every month.
How do I file a complaint against AC AutoPay LLC, Denver, CO Branch?
Complain to AC AutoPay LLC, Denver, CO Branch in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most AC AutoPay LLC, Denver, CO Branch complaints come from?
Most come from California (28), Texas (24), Florida (23). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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