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 |
|---|---|---|---|
| May 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 21, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 30, 2025 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Jan 13, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 9, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Dec 15, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 2, 2024 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Nov 12, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 24, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 22, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 8, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 3, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 30, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Aug 14, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 17, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 2, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 15, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 28, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 23, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 10, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 9, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 30, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 4, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 19, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 12, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 24, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Mar 13, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 24, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Nov 25, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 28, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | 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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