CFPB Consumer Complaint Profile
Goldcar Lending Inc.
What the 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
- 47
- Total complaints
- Mid-range
- 29
- Last 12 months
- 12.8%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Goldcar Lending Inc. ranks #1895 of 3,843 financial companies by CFPB complaint volume. Its on-time response record is at the 1st percentile among companies with 100+ complaints.
- Vehicle loan or lease
- most-complained product
- GA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Goldcar Lending Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
12.8% Among the lowest higher than 1% 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 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 6 in 2024 to 25 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 3 |
| 2020 | 3 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 3 |
| 2024 | 6 |
| 2025 | 25 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Goldcar Lending Inc.
In the CFPB record, Goldcar Lending Inc. has a geographically concentrated complaint footprint. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Goldcar Lending Inc. have?
The CFPB has logged 47 complaints against Goldcar Lending Inc. to date, of which 29 came in over the last 12 months.
Does Goldcar Lending Inc. respond to complaints on time?
Goldcar Lending Inc.'s CFPB timely-response rate is 12.8%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Goldcar Lending Inc.?
Among all products tied to Goldcar Lending Inc., "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Goldcar Lending Inc.?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Goldcar Lending Inc. - see all issues and counts above.
How do I file a complaint against Goldcar Lending Inc.?
You can file a complaint against Goldcar Lending Inc. 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 Goldcar Lending Inc.?
Consumers in 6 states and territories have filed complaints about Goldcar Lending Inc. 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.