CarFinance Capital LLC, Irvine, CA Branch
87 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About CarFinance Capital LLC, Irvine, CA Branch
CarFinance Capital LLC, Irvine, CA Branch's 87 logged complaints stay concentrated: only 23 states show a filing on record. 55.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does CarFinance Capital LLC, Irvine, CA Branch have?
87, per the CFPB's public complaint count for this company (see the full breakdown above).
Does CarFinance Capital LLC, Irvine, CA Branch respond to complaints on time?
94.3% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about CarFinance Capital LLC, Irvine, CA Branch?
"Managing the loan or lease", filed under the "Consumer Loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.