Total CFPB complaints
8
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 8 complaints
CarFinance Capital LLC, Irvine, CA Branch — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CarFinance Capital LLC, Irvine, CA Branch
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- Communication tactics
Communication tactics
2 complaints
- False statements or representation
False statements or representation
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
B
Grade B · 71.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt resulted from identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 88% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by Georgia with 4 and Arizona with 2, which matches a multi-state collection footprint rather than a regional operation. 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, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
88%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
B
71.5/100 composite
Response-quality profile
How CarFinance Capital LLC, Irvine, CA Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 33.3%
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?
CarFinance Capital LLC… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-12 2019-04
Top Consumer Issues
Cont'd attempts collect debt not owed2 (%)
Improper contact or sharing of info2 (%)
Communication tactics2 (%)
False statements or representation1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Communication tactics | Called outside of 8am-9pm | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against CarFinance Capital LLC, Irvine, CA Branch come from?
The states where consumers have filed the most CFPB complaints against CarFinance Capital LLC, Irvine, CA Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CarFinance Capital LLC, Irvine, CA Branch
Across 4 states with at least one filing
- Georgia
Georgia
4 complaints
- Arizona
Arizona
2 complaints
- Texas 1
Texas
1 complaints
- California 1
California
1 complaints
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 "Cont'd attempts collect debt not owed", 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 have been stable. The company received 0 complaints in the last 12 months.
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). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if CarFinance Capital LLC, Irvine, CA Branch is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CarFinance Capital LLC, Irvine, CA Branch violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |