CFPB Consumer Complaint Profile

CarFinance Capital LLC, Irvine, CA Branch

Consumers have filed 87 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

87
Total complaints
0
Last 12 months
94.3%
Timely response
23
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, CarFinance Capital LLC, Irvine, CA Branch sits at #1420, with 87 complaints logged. Its on-time response rate is 94.3%, ahead of the 93% median among companies with 100+ complaints.

#1420
of 3,848 companies by volume
94.3%
answered on time
Consumer Loan
most-complained product
23
states with complaints
CarFinance Capital LLC, Irvine, CA Branch timely response rate 94.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Consumer Loan - Vehicle loan 36
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 28
Vehicle loan or lease - Loan 9
Debt collection - Auto 6
Credit reporting 4
Debt collection - Auto debt 2
Bank account or service - Other bank product/service 1
Credit card 1

Top Issues

1.Managing the loan or lease 20
2.Improper use of your report 19
3.Problems when you are unable to pay 8
4.Incorrect information on your report 8
5.Problem with a credit reporting company's investigation into an existing problem 4
6.Taking out the loan or lease 4
7.Shopping for a loan or lease 4
8.Struggling to pay your loan 3
9.Improper contact or sharing of info 2
10.Communication tactics 2

Complaints by Year

Year Complaints
2014 6
2015 17
2016 20
2017 16
2018 16
2019 10
2020 2

Complaints by State (Top 15)

California 19
Texas 9
Georgia 7
Arizona 7
Florida 6
Ohio 5
Illinois 5
North Carolina 4
Virginia 3
New York 3
Missouri 2
South Carolina 2
Alabama 2
Maryland 2
Washington 2

Company Responses

Closed with explanation 85
Closed with monetary relief 2

What the CFPB Complaint Record Shows for CarFinance Capital LLC, Irvine, CA Branch

CarFinance Capital LLC, Irvine, CA Branch carries 87 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 23 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Consumer Loan," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing the loan or lease" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

94.3% of CFPB-forwarded complaints against CarFinance Capital LLC, Irvine, CA Branch get a reply inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response was formally disputed in 14.6% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 2.3% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does CarFinance Capital LLC, Irvine, CA Branch have?

CarFinance Capital LLC, Irvine, CA Branch has 87 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does CarFinance Capital LLC, Irvine, CA Branch respond to complaints on time?

CarFinance Capital LLC, Irvine, CA Branch's CFPB timely-response rate is 94.3%.

What product generates the most complaints for CarFinance Capital LLC, Irvine, CA Branch?

"Consumer Loan" draws more CFPB complaints against CarFinance Capital LLC, Irvine, CA Branch than any other product - see the full breakdown above.

What is the most common complaint issue with CarFinance Capital LLC, Irvine, CA Branch?

The most common issue reported by consumers about CarFinance Capital LLC, Irvine, CA Branch is "Managing the loan or lease." All complaint issues are listed above with their counts.

How do I file a complaint against CarFinance Capital LLC, Irvine, CA Branch?

You can file a complaint against CarFinance Capital LLC, Irvine, CA Branch directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about CarFinance Capital LLC, Irvine, CA Branch?

CarFinance Capital LLC, Irvine, CA Branch has drawn CFPB complaints from 23 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.