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

CFPB complaint data Grade B 21 complaints

Carolina Finance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Complaints by issue type

What consumers report about Carolina Finance, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 73.0/100 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: Carolina Finance, LLC ranks ahead of 74% of the 5,283 collectors PlainCollector grades - 26% keep a cleaner CFPB record, on 21 all-time complaints and a 94% timely-response rate.

74th pct
reputation rank of 5,283 graded collectors
21
CFPB complaints, all-time
94%
answered inside the CFPB window
5
in the last 12 months (stable)

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 Carolina Finance, LLC?

Carolina Finance, LLC has accumulated 21 total CFPB complaints across 5 states, with 5 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 23.8% 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". The company posts a 94% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 5 states, led by North Carolina with 8 and Virginia with 8. Normalized against the full CFPB collector database, the reputation score of 73.0/100 places Carolina Finance, LLC in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

21

low-volume (CCDB)

Last 12 months

5

23.8% of all-time complaints

Stable →

States active

5

regional footprint

Timely response rate

94%

good band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

73.0/100 composite

How does Carolina Finance, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

73 74th percentile higher than 74% 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

Carolina Finance, LLC versus the debt-collection vertical average.

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 8.9%

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

How does Carolina Finance, LLC compare to its peers?

How does CAROLINA FINANCE, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
CAROLINA FINANCE, LLC National average
Complaints (last 12 mo)lower is better
5
0
268
Timely-response ratehigher is better
94%
67%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-11 2025-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 11
Written notification about debt - 3
Took or threatened to take negative or legal action - 3
False statements or representation - 1
Communication tactics - 1
Cont'd attempts collect debt not owed - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against Carolina Finance, LLC come from?

Carolina Finance, LLC's own per-state count, not a national baseline.

Top states by complaints against Carolina Finance, LLC

Across 5 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Carolina Finance, LLC contacts you

A grade of B signals how Carolina Finance, LLC'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 Carolina Finance, LLC 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 Carolina Finance, LLC 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 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 21 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 5 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 5 states, with the most complaints from North Carolina (8 complaints).

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

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.