CFPB · Narrative-heavy record
CarFinance Capital LLC, Irvine, CA Branch
87 CFPB complaints · 55.2% with narratives · top issue Managing the loan or lease.
CarFinance Capital LLC, Irvine, CA Branch: 55.2% of 87 filings include consumer narratives. Timely 94.3% · relief 2.3% · top product Consumer Loan. Allegations, not findings.
- Narrative-heavy record
- -66.7% filings 2014 to 2020
CFPB relief outcome brief
CCDB company carfinance-capital-llc-irvine-ca-branch
2.3% relief · 94.3% timely · 87 filings · Consumer Loan
Same-product relief peers
Nearest relief peer: Condor Capital Corp (0% relief)
CarFinance Capital LLC, Irvine, CA Branch closes 2.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of CarFinance Capital LLC, Irvine, CA Branch's 87 filings include narrative text
55.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CarFinance Capital LLC, Irvine, CA Branch complaint mix by product
- Consumer Loan 36 41.4% – 3% relief
- Credit reporting, 28 32.2% – 0% relief
- Vehicle loan 9 10.3% – 0% relief
- Debt collection 8 9.2% – 13% relief
- Credit reporting 4 4.6% – 0% relief
- Credit card 1 1.1% – 0% relief
- Bank account 1 1.1% – 0% relief
How CarFinance Capital LLC, Irvine, CA Branch's 87 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Consumer Loan | 36 |
| Credit reporting, credit repair services, or other personal consumer reports | 28 |
| Vehicle loan or lease | 9 |
| Debt collection | 8 |
| Credit reporting | 4 |
| Credit card | 1 |
| Bank account or service | 1 |
Where CarFinance Capital LLC, Irvine, CA Branch complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 21.8% of this company's filings
CarFinance Capital LLC, Irvine, CA Branch falling annual filings
Annual filing volume from the CFPB public database
- 2020
- 2
- -66.7% vs 2014
Top States
| State | Complaints |
|---|---|
| CA | 19 |
| TX | 9 |
| AZ | 7 |
| GA | 7 |
| FL | 6 |
| OH | 5 |
| IL | 5 |
| NC | 4 |
| NY | 3 |
| VA | 3 |
| MD | 2 |
| NJ | 2 |
| AL | 2 |
| SC | 2 |
| MO | 2 |
| WA | 2 |
| MI | 1 |
| KY | 1 |
| IA | 1 |
| OR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 20 |
| Improper use of your report | 19 |
| Problems when you are unable to pay | 8 |
| Incorrect information on your report | 8 |
| Taking out the loan or lease | 4 |
| Shopping for a loan or lease | 4 |
| Problem with a credit reporting company's investigation into an existing problem | 4 |
| Struggling to pay your loan | 3 |
| Incorrect information on credit report | 2 |
| Improper use of my credit report | 2 |
| Improper contact or sharing of info | 2 |
| Communication tactics | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Getting a loan or lease | 2 |
| Other | 1 |
| Account opening, closing, or management | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Problems at the end of the loan or lease | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 6 | 100% |
| 2015 | 17 | 94.1% |
| 2016 | 20 | 100% |
| 2017 | 16 | 93.8% |
| 2018 | 16 | 100% |
| 2019 | 10 | 80% |
| 2020 | 2 | 50% |
Source: CFPB Consumer Complaint Database
CarFinance Capital LLC, Irvine, CA Branch's narrative-rich complaint ledger
CarFinance Capital LLC, Irvine, CA Branch's 87 logged complaints stay concentrated: only 23 states show a filing. 55.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2020-10-20.
CarFinance Capital LLC, Irvine, CA Branch answers 94.3% of complaints inside the CFPB's tracked window and closes 97.7% with a written explanation. 2.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Consumer Loan" draws the most filings, most often for "Managing the loan or lease."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about CarFinance Capital LLC, Irvine, CA Branch.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CarFinance Capital LLC, Irvine, CA Branch: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 87.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 94.3%.
- Sn Servicing Corporation Δ 0.0 pts · 926 complaints 94.3%timely
- Nationwide Recovery Systems, Ltd Δ 0.1 pts · 637 complaints 94.2%timely
- Second Round Limited Partnership, Austin, TX Branch Δ 0.1 pts · 380 complaints 94.2%timely
- Paramount Residential Mortgage Group Δ 0.1 pts · 278 complaints 94.2%timely
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for CarFinance Capital LLC, Irvine, CA Branch (94.3% timely; 2.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record