CFPB · Diversified product mix
State Cap Auto Finance, Inc
10 CFPB complaints · diversified mix (top product 30%) · top issue Problem with a company's investigation into an existing problem.
State Cap Auto Finance, Inc: top product "Vehicle loan or lease" is only 30% of 10 - multi-bucket mix. Timely 100% · relief 0%. Allegations, not findings.
- Diversified product mix
- 0% filings 2017 to 2026
CFPB relief outcome brief
CCDB company state-cap-auto-finance-inc
0% relief · 100% timely · 10 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
State Cap Auto Finance, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
State Cap Auto Finance, Inc scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
82 / 100 percentile-benchmarked
90% of complaints closed with an explanation to the consumer
Most of State Cap Auto Finance, Inc's 10 filings include narrative text
50% 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.
State Cap Auto Finance, Inc complaint mix by product
- Vehicle loan 3 30.0% – 0% relief
- Credit reporting 2 20.0% – 0% relief
- Debt collection 2 20.0% – 0% relief
- Consumer Loan 1 10.0% – 0% relief
- Payday loan, 1 10.0% – 0% relief
- Credit reporting, 1 10.0% – 0% relief
How State Cap Auto Finance, Inc's 10 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 3 |
| Credit reporting or other personal consumer reports | 2 |
| Debt collection | 2 |
| Consumer Loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for State Cap Auto Finance, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- RI
- 50% of this company's filings
State Cap Auto Finance, Inc complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2017
Top States
| State | Complaints |
|---|---|
| RI | 5 |
| MA | 5 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem with a company's investigation into an existing problem | 2 |
| Managing the loan or lease | 1 |
| Repossession | 1 |
| Problems at the end of the loan or lease | 1 |
| Written notification about debt | 1 |
| Problems when you are unable to pay | 1 |
| Struggling to pay your loan | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2024 | 1 | 100% |
| 2025 | 4 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
State Cap Auto Finance, Inc spreads across product buckets
State Cap Auto Finance, Inc's 10 logged complaints stay concentrated: only 2 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-06-07.
State Cap Auto Finance, Inc answers 100% of complaints inside the CFPB's tracked window and closes 90% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Problem with a company's investigation into an existing problem."
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 State Cap Auto Finance, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for State Cap Auto Finance, Inc: 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: 10.
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 State Cap Auto Finance, Inc (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix