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

CFPB complaint data Grade F 1 complaints

Hans Capital Group dba H&L Automotive Financial Services - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Complaints by issue type

What consumers report about Hans Capital Group dba H&L Automotive Financial Services

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.8/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Hans Capital Group dba H&L Automotive Financial Services ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 1 all-time complaints and a 0% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
1
CFPB complaints, all-time
0%
answered inside the CFPB window
1
in the last 12 months (rising)

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 Hans Capital Group dba H&L Automotive Financial Services?

Hans Capital Group dba H&L Automotive Financial Services has accumulated 1 total CFPB complaints across 1 states, with 1 filed in the most recent 12 months against 0 historical complaints before that window. The trailing-12-month volume represents 100.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 0% timely-response rate.

Complaints have been recorded across 1 states, led by California with 1. Normalized against the full CFPB collector database, the reputation score of 51.8/100 places Hans Capital Group dba H&L Automotive Financial Services in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1

low-volume (CCDB)

Last 12 months

1

100.0% of all-time complaints

Rising ↑

States active

1

limited footprint

Timely response rate

0%

below sla band

Reputation grade

F

51.8/100 composite

How does Hans Capital Group dba H&L Automotive Financial Services's reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 18% higher than 18% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 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

Hans Capital Group dba H&L Automotive Financial Services versus the debt-collection vertical average.

Timely response within SLA 0.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 1.8%

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

How does Hans Capital Group dba H&L Automotive Financial Services compare to its peers?

How does Hans Capital Group dba H&L Automotive Financial Services compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Hans Capital Group dba… National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
0%
0%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-06 2024-11

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 1

Where do complaints against Hans Capital Group dba H&L Automotive Financial Services come from?

Hans Capital Group dba H&L Automotive Financial Services's own per-state count, not a national baseline.

Top states by complaints against Hans Capital Group dba H&L Automotive Financial Services

Across 1 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Hans Capital Group dba H&L Automotive Financial Services contacts you

A grade of F signals how Hans Capital Group dba H&L Automotive Financial Services'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 Hans Capital Group dba H&L Automotive Financial Services 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 Hans Capital Group dba H&L Automotive Financial Services 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 Hans Capital Group dba H&L Automotive Financial Services? ▼

The most common issue consumers report about Hans Capital Group dba H&L Automotive Financial Services is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 1 complaints filed with the CFPB.

Are complaints against Hans Capital Group dba H&L Automotive Financial Services increasing or decreasing? ▼

Complaints against Hans Capital Group dba H&L Automotive Financial Services are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Hans Capital Group dba H&L Automotive Financial Services's reputation grade? ▼

Hans Capital Group dba H&L Automotive Financial Services has a reputation grade of F (score: 51.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Hans Capital Group dba H&L Automotive Financial Services respond to consumer complaints? ▼

Hans Capital Group dba H&L Automotive Financial Services has a 0% timely response rate to CFPB complaints.

In how many states does Hans Capital Group dba H&L Automotive Financial Services operate? ▼

Hans Capital Group dba H&L Automotive Financial Services has received CFPB complaints from consumers in 1 states, with the most complaints from California (1 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.