Garcadia Financial LLC -- Consumer Complaint Report & Risk Analysis
Garcadia Financial LLC: Timely Complaints and Credit Reporting Issues
Complaint Summary
Garcadia Financial LLC has received 26 consumer complaints filed with the CFPB across 4 products. The most common issues reported are improper use of your report, problem with a credit reporting company's investigation into an existing problem, attempts to collect debt not owed. Complaints span 11 states, with Georgia and Texas leading in complaint volume.
Company Overview
Company: Garcadia Financial LLC
Total CFPB Complaints: 26
AI Risk Score: 42/100
Most Recent Complaint: 2021-09-14T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: medium
AI Company Analysis
Garcadia Financial LLC has 26 consumer complaints on file with the CFPB. Improper use of credit report Incorrect information on credit report
Response Quality Assessment
fair
Top Consumer Issues
Improper use of credit report -- Severity: medium
Red Flags
- Attempts to collect debt not owed
Green Flags
- Efficient response to credit report issues
Consumer Tips & Advice
Contact the company to verify the accuracy of your credit report.
Complaint Trend Analysis
There is a trend of timely complaints regarding credit reporting issues.
Regulatory History
Regulatory history shows ongoing scrutiny of credit reporting practices.
Industry Context
The credit reporting industry is under increasing pressure to ensure accuracy and fairness.
Frequently Asked Questions About Garcadia Financial LLC
How many CFPB complaints does Garcadia Financial LLC have?
Garcadia Financial LLC has 26 complaints on file with the CFPB. The most recent complaint was filed on September 14, 2021.
What is Garcadia Financial LLC's complaint response rate?
Response rate data is not yet available for Garcadia Financial LLC.
Does Garcadia Financial LLC respond to complaints on time?
Timely response data is not yet available for Garcadia Financial LLC.
Is Garcadia Financial LLC safe to do business with?
Garcadia Financial LLC: Timely Complaints and Credit Reporting Issues Garcadia Financial LLC has 26 CFPB complaints. Risk score: 42/100.
What red flags exist for Garcadia Financial LLC?
Potential red flags for Garcadia Financial LLC: Attempts to collect debt not owed. These are based on analysis of CFPB complaint patterns.
What are Garcadia Financial LLC's strengths?
Positive indicators for Garcadia Financial LLC: Efficient response to credit report issues.
What tips should consumers know about Garcadia Financial LLC?
Contact the company to verify the accuracy of your credit report.
Are complaints against Garcadia Financial LLC increasing or decreasing?
There is a trend of timely complaints regarding credit reporting issues. Garcadia Financial LLC currently has 26 total complaints.
Has Garcadia Financial LLC faced regulatory action?
Regulatory history shows ongoing scrutiny of credit reporting practices.
How does Garcadia Financial LLC compare to industry peers?
The credit reporting industry is under increasing pressure to ensure accuracy and fairness.
What unique insight can be gained from the complaint data?
The majority of complaints are related to improper use and incorrect information on credit reports, indicating a need for more rigorous verification processes.
Recent Complaints Against Garcadia Financial LLC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #5568060 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-05-16T12:00:00-05:00 | Georgia | |
| #5541642 | Credit reporting, credit repair services, or other personal consumer reports | Problem with a credit reporting company's investigation into an existing problem | 2022-05-04T12:00:00-05:00 | Arizona | |
| #5481416 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2022-04-21T12:00:00-05:00 | Georgia | |
| #5481364 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-04-21T12:00:00-05:00 | Maryland | |
| #5382846 | Vehicle loan or lease | Problems at the end of the loan or lease | 2022-03-29T12:00:00-05:00 | Georgia | |
| #5199807 | Vehicle loan or lease | Struggling to pay your loan | 2022-02-08T12:00:00-05:00 | Nevada | |
| #5194959 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-02-07T12:00:00-05:00 | Arizona | |
| #5076235 | Payday loan, title loan, or personal loan | Charged fees or interest you didn't expect | 2022-01-05T12:00:00-05:00 | New Mexico | |
| #4948195 | Debt collection | Written notification about debt | 2021-11-26T12:00:00-05:00 | Texas | |
| #4930536 | Debt collection | False statements or representation | 2021-11-19T12:00:00-05:00 | Texas | |
| #4880048 | Debt collection | Attempts to collect debt not owed | 2021-11-05T12:00:00-05:00 | Texas | |
| #4858628 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-10-29T12:00:00-05:00 | California | |
| #4850918 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-10-27T12:00:00-05:00 | South Carolina | |
| #4803212 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-10-12T12:00:00-05:00 | Illinois | |
| #4780775 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2021-10-05T12:00:00-05:00 | Missouri | |
| #4752463 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-09-25T12:00:00-05:00 | Georgia | |
| #4746348 | Vehicle loan or lease | Struggling to pay your loan | 2021-09-22T12:00:00-05:00 | Texas | |
| #4718925 | Vehicle loan or lease | Getting a loan or lease | 2021-09-14T12:00:00-05:00 | Georgia | |
| #4658815 | Debt collection | Attempts to collect debt not owed | 2021-08-24T12:00:00-05:00 | Texas | |
| #4655328 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2021-08-23T12:00:00-05:00 | Nevada |
Garcadia Financial LLC Complaints by State
- Garcadia Financial LLC Complaints in Georgia -- 7 complaints
- Garcadia Financial LLC Complaints in Texas -- 6 complaints
- Garcadia Financial LLC Complaints in Arizona -- 2 complaints
- Garcadia Financial LLC Complaints in Nevada -- 2 complaints
- Garcadia Financial LLC Complaints in California -- 2 complaints
- Garcadia Financial LLC Complaints in Missouri -- 2 complaints
- Garcadia Financial LLC Complaints in Maryland -- 1 complaints
- Garcadia Financial LLC Complaints in New Mexico -- 1 complaints
- Garcadia Financial LLC Complaints in South Carolina -- 1 complaints
- Garcadia Financial LLC Complaints in Illinois -- 1 complaints
- Garcadia Financial LLC Complaints in North Carolina -- 1 complaints
Garcadia Financial LLC Complaints by Product
- Garcadia Financial LLC Credit reporting, credit repair services, or other personal consumer reports Complaints -- 13 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Garcadia Financial LLC Vehicle loan or lease Complaints -- 7 complaints | All Vehicle loan or lease Complaints
- Garcadia Financial LLC Debt collection Complaints -- 5 complaints | All Debt collection Complaints
- Garcadia Financial LLC Payday loan, title loan, or personal loan Complaints -- 1 complaints | All Payday loan, title loan, or personal loan Complaints
Garcadia Financial LLC Complaints by Issue
- Garcadia Financial LLC -- Improper use of your report -- 8 complaints | All Improper use of your report Complaints
- Garcadia Financial LLC -- Problem with a credit reporting company's investigation into an existing problem -- 3 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- Garcadia Financial LLC -- Attempts to collect debt not owed -- 3 complaints | All Attempts to collect debt not owed Complaints
- Garcadia Financial LLC -- Incorrect information on your report -- 2 complaints | All Incorrect information on your report Complaints
- Garcadia Financial LLC -- Problems at the end of the loan or lease -- 2 complaints | All Problems at the end of the loan or lease Complaints
- Garcadia Financial LLC -- Struggling to pay your loan -- 2 complaints | All Struggling to pay your loan Complaints
- Garcadia Financial LLC -- Getting a loan or lease -- 2 complaints | All Getting a loan or lease Complaints
- Garcadia Financial LLC -- Charged fees or interest you didn't expect -- 1 complaints | All Charged fees or interest you didn't expect Complaints
- Garcadia Financial LLC -- Written notification about debt -- 1 complaints | All Written notification about debt Complaints
- Garcadia Financial LLC -- False statements or representation -- 1 complaints | All False statements or representation Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Garcadia Financial LLC is generated by ReadTheComplaint using AI analysis of data from the CFPB.