Total CFPB complaints
3
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 3 complaints
Rapid Auto Loans LLC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Rapid Auto Loans LLC
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
F
Grade F · 50.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Rapid Auto Loans LLC?
Rapid Auto Loans LLC has accumulated 3 total CFPB complaints across 2 states, with 0 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Threatened to contact someone or share information improperly", narrowing to "Talked to a third-party about your debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 33% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by California with 1 and Florida with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.8/100 places Rapid Auto Loans LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
33%
Within CFPB SLA window
Reputation grade
F
50.8/100 composite
Response-quality profile
How Rapid Auto Loans LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 33.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Rapid Auto Loans LLC compare to its peers?
Rapid Auto Loans 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)
2020-07 2022-10
Top Consumer Issues
Threatened to contact someone or share information improperly2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
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 |
|---|---|---|
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against Rapid Auto Loans LLC come from?
The states where consumers have filed the most CFPB complaints against Rapid Auto Loans LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Rapid Auto Loans LLC
Across 2 states with at least one filing
- California
California
1 complaints
- Florida
Florida
1 complaints
Frequently Asked Questions
What is the most common complaint against Rapid Auto Loans LLC? ▼
The most common issue consumers report about Rapid Auto Loans LLC is "Threatened to contact someone or share information improperly", specifically "Talked to a third-party about your debt". This is based on 3 complaints filed with the CFPB.
Are complaints against Rapid Auto Loans LLC increasing or decreasing? ▼
Complaints against Rapid Auto Loans LLC have been stable. The company received 0 complaints in the last 12 months.
What is Rapid Auto Loans LLC's reputation grade? ▼
Rapid Auto Loans LLC has a reputation grade of F (score: 50.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Rapid Auto Loans LLC respond to consumer complaints? ▼
Rapid Auto Loans LLC has a 33% timely response rate to CFPB complaints.
In how many states does Rapid Auto Loans LLC operate? ▼
Rapid Auto Loans LLC has received CFPB complaints from consumers in 2 states, with the most complaints from California (1 complaints).
What can I do if Rapid Auto Loans 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 Rapid Auto Loans 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 |