Total CFPB complaints
17
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 17 complaints
CAROLINA FINANCE, LLC — 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 CAROLINA FINANCE, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
9 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
B
Grade B · 73.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about CAROLINA FINANCE, LLC?
CAROLINA FINANCE, LLC has accumulated 17 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 5.9% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate against a 0% 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 Virginia with 8 and North Carolina with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 73.0/100 places CAROLINA FINANCE, LLC 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
1
5.9% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
73.0/100 composite
Response-quality profile
How CAROLINA FINANCE, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
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 CAROLINA FINANCE, LLC compare to its peers?
CAROLINA FINANCE, 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)
2015-10 2026-02
Top Consumer Issues
Attempts to collect debt not owed9 (%)
Cont'd attempts collect debt not owed1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Threatened to contact someone or share information improperly1 (%)
Written notification about debt2 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of 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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
Where do complaints against CAROLINA FINANCE, LLC come from?
The states where consumers have filed the most CFPB complaints against CAROLINA FINANCE, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CAROLINA FINANCE, LLC
Across 4 states with at least one filing
- Virginia
Virginia
8 complaints
- North Carolina
North Carolina
7 complaints
- South Carolina 1
South Carolina
1 complaints
- West Virginia 1
West Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against CAROLINA FINANCE, LLC? ▼
The most common issue consumers report about CAROLINA FINANCE, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 17 complaints filed with the CFPB.
Are complaints against CAROLINA FINANCE, LLC increasing or decreasing? ▼
Complaints against CAROLINA FINANCE, LLC have been stable. The company received 1 complaints in the last 12 months.
What is CAROLINA FINANCE, LLC's reputation grade? ▼
CAROLINA FINANCE, LLC has a reputation grade of B (score: 73.0/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does CAROLINA FINANCE, LLC respond to consumer complaints? ▼
CAROLINA FINANCE, LLC has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does CAROLINA FINANCE, LLC operate? ▼
CAROLINA FINANCE, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Virginia (8 complaints).
What can I do if CAROLINA FINANCE, LLC 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 CAROLINA FINANCE, LLC 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 |