CFPB Consumer Complaint Profile
Garcadia Financial LLC
What 108 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 108
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 27
- States affected
The verdict
108 CFPB complaints put Garcadia Financial LLC at #1277 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1277
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting, cr…
- most-complained product
- 27
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Garcadia Financial LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2021 to 2022 complete years
- Annual CFPB complaint volume moved from 35 in 2021 to 17 in 2022 (2021 → 2022).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 2 |
| 2017 | 12 |
| 2018 | 14 |
| 2019 | 12 |
| 2020 | 16 |
| 2021 | 35 |
| 2022 | 17 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Garcadia Financial LLC
Garcadia Financial LLC carries 108 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 27 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Garcadia Financial LLC posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 4.6% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Garcadia Financial LLC have?
108 complaints have been filed against Garcadia Financial LLC with the CFPB overall - 0 of them in the past year.
Does Garcadia Financial LLC respond to complaints on time?
Garcadia Financial LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Garcadia Financial LLC?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Garcadia Financial LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Garcadia Financial LLC?
The most common issue reported by consumers about Garcadia Financial LLC is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Garcadia Financial LLC?
You can file a complaint against Garcadia Financial LLC 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 Garcadia Financial LLC?
Consumers in 27 states and territories have filed complaints about Garcadia Financial LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Garcadia Financial LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.