This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
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
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
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 #3483 · compose #1339
- VOL 4
- GRADE B
- 12MO 3
- STATES 3
- TIMELY 100%
- ISSUE Took or threatened to take…
- RANK #3,483
- COMPOSE #1,339
Volume peers
Nearest volume peer: 90 Day Credit Experts (4 complaints)
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 →
State-heavy filing map
50.0% of ROAD Auto Finance, LLC's CFPB filings land in North Carolina
High volume does not equal a clean composite: ROAD Auto Finance, LLC is volume #3,483 but composite #1,339, while North Carolina dominates the geography. 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)
- Divergent corpus ranks
- #3,483 volume
- #1,339 composite
- Cleanest-composite ladder is 2,144 places better than volume
How does ROAD Auto Finance, LLC compare to its peers?
Source: CFPB Consumer Complaint Database.
Complaint Trend (24 months)
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
- North Carolina
North Carolina
2 complaints
- Florida
Florida
1 complaints
- Georgia
Georgia
1 complaints
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.
Know your rights before responding to ROAD Auto Finance, LLC: FDCPA rights guide · debt validation letter · rights library.
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.
| Publisher | PlainCollector |
| Sources | the CFPB Consumer Complaint Database |