What is the most common complaint against Goldcar Lending Inc.?

The most common issue consumers report about Goldcar Lending Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 17 complaints filed with the CFPB.

Are complaints against Goldcar Lending Inc. increasing or decreasing?

Complaints against Goldcar Lending Inc. are rising. The company received 13 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Goldcar Lending Inc.'s reputation grade?

Goldcar Lending Inc. has a reputation grade of F (score: 29.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Goldcar Lending Inc. respond to consumer complaints?

Goldcar Lending Inc. has a 14% timely response rate to CFPB complaints.

In how many states does Goldcar Lending Inc. operate?

Goldcar Lending Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Georgia (11 complaints).

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

Goldcar Lending Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

10
False statements or representation

3
Attempts to collect debt not owed

2
Written notification about debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record goldcar-lending-inc Goldcar Lending Inc.

Grade F · 17 CFPB filings · 14% timely · lead issue: Took or threatened to take negative or legal action · vol #2033 · compose #5224

VOL 17
GRADE F
12MO 13
STATES 2
TIMELY 14%
ISSUE Took or threatened to take…
RANK #2,033
COMPOSE #5,224

Volume peers

Nearest volume peer: A/R Concepts, Inc. (17 complaints)

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

Goldcar Lending Inc.'s 17 CFPB complaints sit next to A/R Concepts, 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

64.7% of Goldcar Lending Inc.'s CFPB filings land in Georgia

High volume does not equal a clean composite: Goldcar Lending Inc. is volume #2,033 but composite #5,224, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 64.7%; 11 of 17 filings · 2 states touched
Seasonal peak: 2022-04 12.5%; 8–15% band · 5 filings
Divergent corpus ranks: #2,033 volume; #5,224 composite; Cleanest-composite ladder is 3,191 places worse than volume

How does Goldcar Lending Inc. compare to its peers?

How does Goldcar Lending Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Goldcar Lending Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

14%

56%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-05 2022-06

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	10
False statements or representation	3
Attempts to collect debt not owed	2
Written notification about debt	2

Where do complaints against Goldcar Lending Inc. come from?

Goldcar Lending Inc.'s own per-state count, not a national baseline.

Georgia

11
Alabama

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Goldcar Lending Inc.: 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: 17.

4 peers

Know your rights before responding to Goldcar Lending Inc.: 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.