CFPB · Narrative-heavy record
Garcadia Financial LLC
108 CFPB complaints · 50.9% with narratives · top issue Improper use of your report.
Garcadia Financial LLC: 50.9% of 108 filings include consumer narratives. Timely 100% · relief 4.6% · top product Credit reporting, credit repair services, or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +750% filings 2016 to 2022
CFPB relief outcome brief
CCDB company garcadia-financial-llc
4.6% relief · 100% timely · 108 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Motolease, LLC (4.5% relief)
Garcadia Financial LLC closes 4.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Garcadia Financial LLC's 108 filings include narrative text
50.9% 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.
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 |
Where Garcadia Financial LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15.7% of this company's filings
Garcadia Financial LLC rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 17
- +750% vs 2016
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
Garcadia Financial LLC's narrative-rich complaint ledger
Garcadia Financial LLC's 108 logged complaints stay concentrated: only 27 states show a filing. 50.9% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Garcadia Financial LLC: 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: 108.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Garcadia Financial LLC (100% timely; 4.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record