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

CFPB complaint data Grade B 8 complaints

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

CFPB complaint profile across 4 states, reputation grade B.

Complaints by issue type

What consumers report about CarFinance Capital LLC, Irvine, CA Branch

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 71.5/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: CarFinance Capital LLC, Irvine, CA Branch ranks ahead of 71% of the 5,283 collectors PlainCollector grades - 29% keep a cleaner CFPB record, on 8 all-time complaints and a 88% timely-response rate.

71st pct
reputation rank of 5,283 graded collectors
8
CFPB complaints, all-time
88%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about CarFinance Capital LLC, Irvine, CA Branch?

CarFinance Capital LLC, Irvine, CA Branch has accumulated 8 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Debt resulted from identity theft". The company posts a 88% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 4 states, led by Georgia with 4 and Arizona with 2. Normalized against the full CFPB collector database, the reputation score of 71.5/100 places CarFinance Capital LLC, Irvine, CA Branch in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

8

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

4

limited footprint

Timely response rate

88%

acceptable band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

B

71.5/100 composite

How does CarFinance Capital LLC, Irvine, CA Branch's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

72 71st percentile higher than 71% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). This entry sits in this band. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

CarFinance Capital LLC, Irvine, CA Branch versus the debt-collection vertical average.

Timely response within SLA 87.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 7.1%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
CarFinance Capital LLC… National average
Complaints (last 12 mo)lower is better
0
3
268
Timely-response ratehigher is better
88%
88%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-12 2022-08

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against CarFinance Capital LLC, Irvine, CA Branch

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if CarFinance Capital LLC, Irvine, CA Branch contacts you

A grade of B signals how CarFinance Capital LLC, Irvine, CA Branch's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really CarFinance Capital LLC, Irvine, CA Branch and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how CarFinance Capital LLC, Irvine, CA Branch ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 71.5/100), 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).

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, more than 1,139,000 debt collection complaints have been logged nationwide as of July 2026. 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.