OpenRoad Lending
124 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.
OpenRoad Lending complaint mix by product
- Credit reporting, 44 36.4% – 0% relief
- Vehicle loan 42 34.7% – 2% relief
- Consumer Loan 20 16.5% – 0% relief
- Credit reporting 9 7.4% – 0% relief
- Debt collection 2 1.7% – 0% relief
- Credit card 2 1.7% – 0% relief
- Bank account 2 1.7% – 0% relief
How OpenRoad Lending's 124 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 | 44 |
| Vehicle loan or lease | 42 |
| Consumer Loan | 20 |
| Credit reporting or other personal consumer reports | 9 |
| Debt collection | 2 |
| Credit card | 2 |
| Bank account or service | 2 |
| Payday loan, title loan, or personal loan | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Top States
| State | Complaints |
|---|---|
| FL | 20 |
| CA | 16 |
| TX | 14 |
| AZ | 7 |
| GA | 7 |
| OH | 7 |
| NY | 6 |
| TN | 5 |
| MD | 5 |
| SC | 5 |
| MO | 4 |
| NC | 3 |
| MI | 3 |
| AL | 3 |
| IL | 2 |
| OK | 2 |
| WA | 2 |
| AR | 2 |
| VA | 2 |
| PA | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 41 |
| Getting a loan or lease | 26 |
| Shopping for a loan or lease | 12 |
| Incorrect information on your report | 11 |
| Managing the loan or lease | 9 |
| Problems at the end of the loan or lease | 9 |
| Taking out the loan or lease | 4 |
| Account opening, closing, or management | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Attempts to collect debt not owed | 1 |
| Vehicle was repossessed or sold the vehicle | 1 |
| Other | 1 |
| Credit determination | 1 |
| Received a loan I didn't apply for | 1 |
| Communication tactics | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Getting the loan | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 20 | 100% |
| 2017 | 16 | 100% |
| 2018 | 21 | 100% |
| 2019 | 14 | 100% |
| 2020 | 8 | 100% |
| 2021 | 5 | 100% |
| 2022 | 10 | 100% |
| 2023 | 2 | 100% |
| 2024 | 8 | 100% |
| 2025 | 13 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About OpenRoad Lending
OpenRoad Lending's 124 logged complaints stay concentrated: only 26 states show a filing on record. 57.3% 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 2026-06-23.
OpenRoad Lending answers 100% of complaints inside the CFPB's tracked window and closes 96% with a written explanation. 0.8% 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 OpenRoad Lending.
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 OpenRoad Lending have?
124, per the CFPB's public complaint count for this company (see the full breakdown above).
Does OpenRoad Lending 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 OpenRoad Lending?
"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.