Debt collection
U.S. Auto Credit debt collection complaints
Consumers have filed 83 complaints about U.S. Auto Credit's debt collection, 23 in the last 12 months. U.S. Auto Credit answered 95.7% on time and closed 0% with relief. See the whole U.S. Auto Credit record.
U.S. Auto Credit against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | U.S. Auto Credit | 23 | 95.7% | 0% |
Latest U.S. Auto Credit debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 30, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 30, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 11, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 28, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 25, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Dec 10, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 23, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 28, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 28, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 13, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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