Garcadia Financial LLC
108 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.
Garcadia Financial LLC complaint mix by product
- Credit reporting, 63 58.3% – 2% relief
- Vehicle loan 26 24.1% – 12% relief
- Debt collection 15 13.9% – 7% relief
- Consumer Loan 3 2.8% – 0% relief
- Payday loan, 1 0.9% – 0% relief
How Garcadia Financial LLC's 108 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 63 |
| Vehicle loan or lease | 26 |
| Debt collection | 15 |
| Consumer Loan | 3 |
| Payday loan, title loan, or personal loan | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 17 |
| GA | 17 |
| AZ | 8 |
| UT | 7 |
| CA | 6 |
| NV | 6 |
| IL | 6 |
| MO | 5 |
| IN | 5 |
| OK | 4 |
| KS | 3 |
| FL | 3 |
| SC | 3 |
| TN | 2 |
| NC | 2 |
| VA | 2 |
| OR | 1 |
| NE | 1 |
| AR | 1 |
| CO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 42 |
| Incorrect information on your report | 16 |
| Managing the loan or lease | 13 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Attempts to collect debt not owed | 6 |
| Getting a loan or lease | 4 |
| Problems at the end of the loan or lease | 4 |
| Communication tactics | 3 |
| Struggling to pay your loan | 3 |
| Took or threatened to take negative or legal action | 2 |
| Written notification about debt | 2 |
| Shopping for a loan or lease | 1 |
| Unable to get your credit report or credit score | 1 |
| False statements or representation | 1 |
| Charged fees or interest you didn't expect | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 2 | 100% |
| 2017 | 12 | 100% |
| 2018 | 14 | 100% |
| 2019 | 12 | 100% |
| 2020 | 16 | 100% |
| 2021 | 35 | 100% |
| 2022 | 17 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Garcadia Financial LLC
Garcadia Financial LLC's 108 logged complaints stay concentrated: only 27 states show a filing on record. 50.9% 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 2016 through 2022-05-16.
Garcadia Financial LLC answers 100% of complaints inside the CFPB's tracked window and closes 93.5% with a written explanation. 4.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Improper use of your report."
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 Garcadia Financial LLC.
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 Garcadia Financial LLC have?
108, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Garcadia Financial LLC respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Garcadia Financial LLC?
"Improper use of your report", filed under the "Credit reporting, credit repair services, or other personal consumer reports" 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.