Openroad Lending -- Consumer Complaint Report & Risk Analysis
Problems with Vehicle Loans and Debt Collection
Complaint Summary
Openroad Lending has received 11 consumer complaints filed with the CFPB across 3 products. The most common issues reported are problems at the end of the loan or lease, managing the loan or lease, getting a loan or lease. Complaints span 7 states, with California and Georgia leading in complaint volume.
Company Overview
Company: Openroad Lending
Total CFPB Complaints: 11
AI Risk Score: 65/100
Most Recent Complaint: 2025-04-01T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: medium
AI Company Analysis
OpenRoad Lending has 11 consumer complaints on file with the CFPB. Problems at the end of the loan or lease Managing the loan or lease
Response Quality Assessment
fair
Top Consumer Issues
Problems at the end of the loan or lease -- Severity: medium
Red Flags
- Attempts to collect debt not owed
Green Flags
- Improper use of your report
Consumer Tips & Advice
Be aware of any issues at the end of your loan or lease.
Complaint Trend Analysis
There is a trend of increasing complaints about vehicle loans and debt collection.
Regulatory History
Regulatory history shows ongoing efforts to address issues in the lending industry.
Industry Context
The vehicle lending industry is facing challenges with consumer complaints.
Frequently Asked Questions About Openroad Lending
How many CFPB complaints does OpenRoad Lending have?
OpenRoad Lending has 11 complaints on file with the CFPB. The most recent complaint was filed on April 1, 2025.
What is OpenRoad Lending's complaint response rate?
Response rate data is not yet available for OpenRoad Lending.
Does OpenRoad Lending respond to complaints on time?
Timely response data is not yet available for OpenRoad Lending.
Is OpenRoad Lending safe to do business with?
Problems with Vehicle Loans and Debt Collection OpenRoad Lending has 11 CFPB complaints. Risk score: 65/100.
What red flags exist for OpenRoad Lending?
Potential red flags for OpenRoad Lending: Attempts to collect debt not owed. These are based on analysis of CFPB complaint patterns.
What are OpenRoad Lending's strengths?
Positive indicators for OpenRoad Lending: Improper use of your report.
What tips should consumers know about OpenRoad Lending?
Be aware of any issues at the end of your loan or lease.
Are complaints against OpenRoad Lending increasing or decreasing?
There is a trend of increasing complaints about vehicle loans and debt collection. OpenRoad Lending currently has 11 total complaints.
Has OpenRoad Lending faced regulatory action?
Regulatory history shows ongoing efforts to address issues in the lending industry.
How does OpenRoad Lending compare to industry peers?
The vehicle lending industry is facing challenges with consumer complaints.
What is the most common issue reported by consumers regarding OpenRoad Lending?
Problems at the end of the loan or lease are the most common issue reported.
Recent Complaints Against Openroad Lending
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #18208708 | Vehicle loan or lease | Problems at the end of the loan or lease | 2025-12-21T12:00:00-05:00 | Texas | |
| #12790638 | Vehicle loan or lease | Managing the loan or lease | 2025-04-01T12:00:00-05:00 | California | |
| #10094000 | Debt collection | Attempts to collect debt not owed | 2024-09-11T12:00:00-05:00 | Georgia | |
| #8625441 | Vehicle loan or lease | Problems at the end of the loan or lease | 2024-03-25T12:00:00-05:00 | Florida | |
| #7772662 | Vehicle loan or lease | Getting a loan or lease | 2023-10-29T12:00:00-05:00 | Tennessee | |
| #6069694 | Vehicle loan or lease | Problems at the end of the loan or lease | 2022-10-10T12:00:00-05:00 | California | |
| #5853409 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2022-08-07T12:00:00-05:00 | Florida | |
| #5689077 | Vehicle loan or lease | Managing the loan or lease | 2022-06-20T12:00:00-05:00 | Michigan | |
| #5526487 | Vehicle loan or lease | Problems at the end of the loan or lease | 2022-04-29T12:00:00-05:00 | Michigan | |
| #4796097 | Vehicle loan or lease | Problems at the end of the loan or lease | 2021-10-09T12:00:00-05:00 | Arizona | |
| #4609132 | Vehicle loan or lease | Getting a loan or lease | 2021-08-06T12:00:00-05:00 | Georgia |
Openroad Lending Complaints by State
- Openroad Lending Complaints in California -- 2 complaints
- Openroad Lending Complaints in Georgia -- 2 complaints
- Openroad Lending Complaints in Florida -- 2 complaints
- Openroad Lending Complaints in Michigan -- 2 complaints
- Openroad Lending Complaints in Texas -- 1 complaints
- Openroad Lending Complaints in Tennessee -- 1 complaints
- Openroad Lending Complaints in Arizona -- 1 complaints
Openroad Lending Complaints by Product
- Openroad Lending Vehicle loan or lease Complaints -- 9 complaints | All Vehicle loan or lease Complaints
- Openroad Lending Debt collection Complaints -- 1 complaints | All Debt collection Complaints
- Openroad Lending Credit reporting, credit repair services, or other personal consumer reports Complaints -- 1 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
Openroad Lending Complaints by Issue
- Openroad Lending -- Problems at the end of the loan or lease -- 5 complaints | All Problems at the end of the loan or lease Complaints
- Openroad Lending -- Managing the loan or lease -- 2 complaints | All Managing the loan or lease Complaints
- Openroad Lending -- Getting a loan or lease -- 2 complaints | All Getting a loan or lease Complaints
- Openroad Lending -- Attempts to collect debt not owed -- 1 complaints | All Attempts to collect debt not owed Complaints
- Openroad Lending -- Improper use of your report -- 1 complaints | All Improper use of your report Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Openroad Lending is generated by ReadTheComplaint using AI analysis of data from the CFPB.