CFPB Consumer Complaint Profile
Reliable Auto Finance, Inc.
What 20 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
- 20
- Total complaints
- Mid-range
- 5
- Last 12 months
- 95%
- Timely response
- Below median
- 5
- States affected
The verdict
Reliable Auto Finance, Inc. ranks #2861 of 3,843 financial companies by CFPB complaint volume, with 20 complaints on record. Its on-time response rate is 95%, the 29th percentile among companies with 100+ complaints.
- #2861
- of 3,843 companies by volume
- 95%
- on time (29th pctile)
- Vehicle loan or lease
- most-complained product
- 5
- states with 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.
Reliable Auto Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95% Around the middle higher than 29% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 1 |
| 2022 | 2 |
| 2023 | 1 |
| 2024 | 2 |
| 2025 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Reliable Auto Finance, Inc.
The CFPB Consumer Complaint Database has logged 20 complaints against Reliable Auto Finance, Inc. overall, with 5 of those filed in the trailing 12 months. Reports have come from consumers in 5 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Vehicle loan or lease," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Repossession," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Reliable Auto Finance, Inc. draw a 95% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 10% 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, 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 Reliable Auto Finance, Inc. have?
The CFPB has logged 20 complaints against Reliable Auto Finance, Inc. to date, of which 5 came in over the last 12 months.
Does Reliable Auto Finance, Inc. respond to complaints on time?
Reliable Auto Finance, Inc.'s CFPB timely-response rate is 95%. That is a strong response record by CFPB standards.
What product generates the most complaints for Reliable Auto Finance, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Reliable Auto Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Reliable Auto Finance, Inc.?
Consumers most often cite "Repossession" when complaining about Reliable Auto Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against Reliable Auto Finance, Inc.?
You can file a complaint against Reliable Auto Finance, 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 Reliable Auto Finance, Inc.?
Reliable Auto Finance, Inc. has drawn CFPB complaints from 5 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Reliable Auto Finance, Inc.: 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 Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Reliable Auto Finance, Inc. have?
The CFPB has logged 20 complaints against Reliable Auto Finance, Inc. to date, of which 5 came in over the last 12 months.
Does Reliable Auto Finance, Inc. respond to complaints on time?
Reliable Auto Finance, Inc.'s CFPB timely-response rate is 95%. That is a strong response record by CFPB standards.
What product generates the most complaints for Reliable Auto Finance, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Reliable Auto Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Reliable Auto Finance, Inc.?
Consumers most often cite "Repossession" when complaining about Reliable Auto Finance, Inc.; the full issue list with counts is above.
How do I file a complaint against Reliable Auto Finance, Inc.?
You can file a complaint against Reliable Auto Finance, 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 Reliable Auto Finance, Inc.?
Reliable Auto Finance, Inc. has drawn CFPB complaints from 5 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.