Auto lender · complaint record
Capital Auto Credit complaints
Filed under Capital Auto Credit, LLC
Consumers have filed 6 complaints about Capital Auto Credit since 2021, 1 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is managing the loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #133 of 193
Since April 2021
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jan 31, 2026
Most complained-about auto lenders
Capital Auto Credit complaints by month
The busiest month was May 2023 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Capital Auto Credit answered all time
- Closed with explanation6100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Capital Auto Credit complaints are about
Top Capital Auto Credit problems
Inside "Struggling to pay your loan"
- Lender trying to repossess or disable the vehicle 1
- Loan balance remaining after the vehicle is repossessed and sold 1
- Denied request to lower payments 1
Capital Auto Credit 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 | Capital Auto CreditAuto loans & leases | - | 1 | - |
Compare side by side: Capital Auto Credit vs The Savings Group · Capital Auto Credit vs AC AutoPay LLC, Denver, CO Branch · Capital Auto Credit vs CARS Acquisition · Capital Auto Credit vs EA Holdings
What people say about Capital Auto Credit
All experiencesNo experiences with Capital Auto Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Capital Auto Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jan 31, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Oct 31, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| May 16, 2023 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| May 4, 2023 | Auto loans & leases | Struggling to pay your loanLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Dec 3, 2021 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 19, 2021 | Auto loans & leases | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
Questions about Capital Auto Credit
How many complaints does Capital Auto Credit have?
Capital Auto Credit has 6 complaints on record since April 2021, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Capital Auto Credit respond to complaints?
Yes. Capital Auto Credit 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.
What do people complain about most with Capital Auto Credit?
The most common problems are managing the loan or lease (1), struggling to pay your loan (3), problem with a credit reporting company's investigation into an existing problem (1).
Is Capital Auto Credit legit?
Capital Auto Credit is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Capital Auto Credit legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Capital Auto Credit?
Complain to Capital Auto Credit 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 Capital Auto Credit complaints come from?
Most come from Ohio (5), Florida (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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