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

CFPB complaint data Grade F 17 complaints

Goldcar Lending Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Complaints by issue type

What consumers report about Goldcar Lending Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 17
  • GRADE F
  • 12MO 13
  • STATES 2
  • TIMELY 14%
  • ISSUE Took or threatened to take…
  • RANK #2,033
  • COMPOSE Not ranked

Volume peers

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

A/R Concepts, Inc.A/R Concepts, Inc.17Academy Mortgage CorporationAcademy Mortgage Corporation17Accelerated Creditors Services, IncAccelerated Creditors Servic…17Accelerated Portfolio, Inc.Accelerated Portfolio, Inc.17Goldcar Lending Inc. (this)Goldcar Lending Inc. (this)17
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 →

How the 17 complaints break down

Every complaint issue type on record for Goldcar Lending Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
29.0/100
Goldcar Lending Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
17
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
14%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#2,033 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
13
0
268
Timely-response ratehigher is better
14%
56%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Goldcar Lending Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%20%40%60% Timely response rate (%) Dispute rate (%) Goldcar Lending Inc. vs. 6 similar-volume peers, by response speed and dispute rate Genuine Debt Solutions, LLC.Henley, Lotterhos & Henley, PLLCExecutive Financial Consultants, IncHunt & Kahn, P.A.Credit SolutionsJames E. Albertelli, P.A., a Florida professional association
Source: CFPB Consumer Complaint Database

Goldcar Lending Inc.'s complaint volume in context

Goldcar Lending Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

17 62nd percentile higher than 62% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Goldcar Lending Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Goldcar Lending Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.