Auto lender · complaint record
Auto Finance USA complaints
Filed under AUTO FINANCE USA, LLC
Consumers have filed 20 complaints about Auto Finance USA since 2024, 10 of them in the last 12 months. It answered 50% on time and closed 0% with relief for the customer. The most common problem is repossession. It is the 49th most complained-about of 193 auto lenders this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 20
- Last 12 months
- 10
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #49 of 193
Since June 2024
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Sep 4, 2026
Most complained-about auto lenders
Auto Finance USA complaints by month
The busiest month was May 2026 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Auto Finance USA answered all time
- Closed with explanation1785%
- Untimely response315%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Auto Finance USA complaints are about
Top Auto Finance USA problems
Inside "Repossession"
- Loan balance remaining after the vehicle is repossessed and sold 3
- Company explaining amount owed 1
- Account reinstatement or redemption after repossession 1
- Lender trying to repossess or disable the vehicle 1
Auto Finance USA compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Auto Finance USAAuto loans & leases | - | 10 | - |
Compare side by side: Auto Finance USA vs The Savings Group · Auto Finance USA vs AC AutoPay LLC, Denver, CO Branch · Auto Finance USA vs CARS Acquisition · Auto Finance USA vs EA Holdings
What people say about Auto Finance USA
All experiencesNo experiences with Auto Finance USA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Auto Finance USA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 4, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | No timely reply |
| Sep 2, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | No timely reply |
| Aug 18, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | No timely reply |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 28, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 15, 2026 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Mar 26, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Mar 2, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Feb 10, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 25, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 31, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
Questions about Auto Finance USA
How many complaints does Auto Finance USA have?
Auto Finance USA has 20 complaints on record since June 2024, including 10 in the last 12 months and 0 in the last 30 days. That makes it number 1,447 of every company by complaints this year.
Does Auto Finance USA respond to complaints?
Yes. Auto Finance USA answered 50% 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.
What do people complain about most with Auto Finance USA?
The most common problems are repossession (6), managing the loan or lease (6), communication tactics (2).
Is Auto Finance USA legit?
Auto Finance USA is a real company with a public complaint record: consumers have complained about it 20 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Auto Finance USA legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Auto Finance USA?
Complain to Auto Finance USA 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 Auto Finance USA complaints come from?
Most come from Oklahoma (18), GU (1), Texas (1). 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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