CFPB Consumer Complaint Profile
ROAD Auto Finance, LLC
What 19 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
- 19
- Total complaints
- Below average
- 3
- Last 12 months
- 100%
- Timely response
- Top decile
- 4
- States affected
The verdict
ROAD Auto Finance, LLC ranks #2935 of 3,843 financial companies by CFPB complaint volume, with 19 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2935
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 4
- 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.
ROAD Auto Finance, 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
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 |
|---|---|
| 2022 | 1 |
| 2023 | 9 |
| 2024 | 4 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for ROAD Auto Finance, LLC
The CFPB Consumer Complaint Database has logged 19 complaints against ROAD Auto Finance, LLC overall, with 3 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
ROAD Auto Finance, LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, 0% 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 ROAD Auto Finance, LLC have?
The CFPB has logged 19 complaints against ROAD Auto Finance, LLC to date, of which 3 came in over the last 12 months.
Does ROAD Auto Finance, LLC respond to complaints on time?
ROAD Auto Finance, LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for ROAD Auto Finance, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against ROAD Auto Finance, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with ROAD Auto Finance, LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against ROAD Auto Finance, LLC - see all issues and counts above.
How do I file a complaint against ROAD Auto Finance, LLC?
You can file a complaint against ROAD Auto Finance, 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 ROAD Auto Finance, LLC?
The CFPB has recorded complaints against ROAD Auto Finance, LLC from 4 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does ROAD Auto Finance, LLC have?
The CFPB has logged 19 complaints against ROAD Auto Finance, LLC to date, of which 3 came in over the last 12 months.
Does ROAD Auto Finance, LLC respond to complaints on time?
ROAD Auto Finance, LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for ROAD Auto Finance, LLC?
"Credit reporting or other personal consumer reports" draws more CFPB complaints against ROAD Auto Finance, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with ROAD Auto Finance, LLC?
"Improper use of your report" is the single most frequently cited issue in complaints against ROAD Auto Finance, LLC - see all issues and counts above.
How do I file a complaint against ROAD Auto Finance, LLC?
You can file a complaint against ROAD Auto Finance, 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 ROAD Auto Finance, LLC?
The CFPB has recorded complaints against ROAD Auto Finance, LLC from 4 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.