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

CFPB complaint data Grade B 4 complaints

ROAD Auto Finance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade B.

Complaints by issue type

What consumers report about ROAD Auto Finance, LLC

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

Data updated September 2026

CFPB complaint disposition

CCDB record road-auto-finance-llc ROAD Auto Finance, LLC

Grade B · 4 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 4
  • GRADE B
  • 12MO 3
  • STATES 3
  • TIMELY 100%
  • ISSUE Took or threatened to take…
  • RANK #3,483
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

90 Day Credit Experts90 Day Credit Experts4A & A North American Financial, LLCA & A North American Financi…4A & S Collection Associates, Inc.A & S Collection Associates,…4Accelerated Receivables Management, Inc.Accelerated Receivables Mana…4ROAD Auto Finance, LLC (this)ROAD Auto Finance, LLC (this)4
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ROAD Auto Finance, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts 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 4 complaints break down

Every complaint issue type on record for ROAD Auto Finance, LLC, not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
69.6/100
ROAD Auto Finance, LLC

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 B
4
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
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

50.0% of ROAD Auto Finance, LLC's CFPB filings land in North Carolina

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
North Carolina 50.0%
2 of 4 filings · 3 states touched
Spike month
2021-08 66.7%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#3,483 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does ROAD Auto Finance, LLC compare to its peers?

How does ROAD Auto Finance, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ROAD Auto Finance, LLC National average
Complaints (last 12 mo)lower is better
3
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
0%
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 ROAD Auto Finance, LLC 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 40%60%80%100%120% 0%50%100%150% Timely response rate (%) Dispute rate (%) ROAD Auto Finance, LLC vs. 6 similar-volume peers, by response speed and dispute rate REISENFELD & ASSOCIATES LPA, LLCROBERT TIMMS AND ASSOCIATES INC.RDK Collections Inc.RCO Hawaii, LLLCRapid Collection Systems, Inc.PulteGroup, Inc.
Source: CFPB Consumer Complaint Database

ROAD Auto Finance, LLC's complaint volume in context

ROAD Auto Finance, LLC 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)

4 36th percentile higher than 36% 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. ROAD Auto Finance, LLC 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 ↑
2017-04 2021-08

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
3
Attempts to collect debt not owed
1

Where do complaints against ROAD Auto Finance, LLC come from?

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

Top states by complaints against ROAD Auto Finance, LLC

Across 3 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 ROAD Auto Finance, LLC: 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: 4.

4 peers

Know your rights before responding to ROAD Auto Finance, LLC: 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.