What is the most common complaint against CarFinance Capital LLC, Irvine, CA Branch?

The most common issue consumers report about CarFinance Capital LLC, Irvine, CA Branch is "Communication tactics", specifically "Debt resulted from identity theft". This is based on 8 complaints filed with the CFPB.

Are complaints against CarFinance Capital LLC, Irvine, CA Branch increasing or decreasing?

Complaints against CarFinance Capital LLC, Irvine, CA Branch are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is CarFinance Capital LLC, Irvine, CA Branch's reputation grade?

CarFinance Capital LLC, Irvine, CA Branch has a reputation grade of B (score: 67.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CarFinance Capital LLC, Irvine, CA Branch respond to consumer complaints?

CarFinance Capital LLC, Irvine, CA Branch has a 88% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does CarFinance Capital LLC, Irvine, CA Branch operate?

CarFinance Capital LLC, Irvine, CA Branch has received CFPB complaints from consumers in 4 states, with the most complaints from Georgia (4 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CarFinance Capital LLC, Irvine, CA Branch - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Communication tactics

2
Cont'd attempts collect debt not owed

2
Improper contact or sharing of info

2
False statements or representation

1
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record carfinance-capital-llc-irvine-ca-branch CarFinance Capital LLC, Irvine, CA Branch

Grade B · 8 CFPB filings · 88% timely · lead issue: Communication tactics · vol #2676 · compose #1559

VOL 8
GRADE B
12MO 0
STATES 4
TIMELY 88%
DISPUTE 17%
ISSUE Communication tactics
RANK #2,676
COMPOSE #1,559

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CarFinance Capital LLC, Irvine, CA Branch's 8 CFPB complaints sit next to A+ Loans, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

50.0% of CarFinance Capital LLC, Irvine, CA Branch's CFPB filings land in Georgia

High volume does not equal a clean composite: CarFinance Capital LLC, Irvine, CA Branch is volume #2,676 but composite #1,559, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 50.0%; 4 of 8 filings · 4 states touched
Seasonal peak: 2018-04 9.1%; 8–15% band · 2 filings
Divergent corpus ranks: #2,676 volume; #1,559 composite; Cleanest-composite ladder is 1,117 places better than volume

How does CarFinance Capital LLC, Irvine, CA Branch compare to its peers?

How does CarFinance Capital LLC, Irvine, CA Branch compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CarFinance Capital LLC… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

88%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-12 2022-08

Issue Detail Breakdown

Issue	Complaints
Communication tactics	2
Cont'd attempts collect debt not owed	2
Improper contact or sharing of info	2
False statements or representation	1
Threatened to contact someone or share information improperly	1

Where do complaints against CarFinance Capital LLC, Irvine, CA Branch come from?

CarFinance Capital LLC, Irvine, CA Branch's own per-state count, not a national baseline.

Georgia

4
Arizona

2
California

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CarFinance Capital LLC, Irvine, CA Branch: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 8.

4 peers

Know your rights before responding to CarFinance Capital LLC, Irvine, CA Branch: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.