Lender · complaint record
Alcar complaints
Filed under ALCAR INC.
Consumers have filed 134 complaints about Alcar since 2024, 116 of them in the last 12 months (+582% on the year before). It answered 92.2% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is getting the loan. It is the 24th most complained-about of 272 personal & payday lenders this year.
Poor response record. How it works
- Complaints on record
- 134
- Last 12 months
- 116
- Answered on time
- 92.2%
- Closed with relief
- 0%
- Last 30 days
- 21
- Rank
- #24 of 272
Since October 2024
+582% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 7, 2026
Most complained-about personal & payday lenders
Alcar complaints by month
The busiest month was October 2026 (27 complaints). Complaints in the last 12 months are up 582% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Alcar answered last 12 months
- Closed with explanation10388.8%
- In progress119.5%
- Untimely response21.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time10/4592.2% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+582% vs last year
What Alcar complaints are about
Top Alcar problems last 12 months
Where Alcar complaints come from
Most complaints: Florida (15), Texas (15), California (13), New York (10), Illinois (8).
Alcar compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Advance America, Cash Advance CentersPayday & personal loans | 11 | 136 | F |
| 2 | CreditNinja LendingPayday & personal loans | 61 | 135 | C |
| 3 | Flexible FinancePayday & personal loans | 45 | 131 | D |
| 4 | Sunlight FinancialPayday & personal loans | 3 | 116 | F |
| 5 | AlcarPayday & personal loans | 10 | 116 | F |
| 6 | Crow Creek Sioux TribePayday & personal loans | 0 | 108 | F |
| 7 | Hanwha QCells USAPayday & personal loans | 45 | 108 | D |
| 8 | GVA HoldingsPayday & personal loans | 54 | 102 | C |
Compare side by side: Alcar vs Advance America, Cash Advance Centers · Alcar vs CreditNinja Lending · Alcar vs Flexible Finance · Alcar vs Sunlight Financial
What people say about Alcar
All experiencesNo experiences with Alcar yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Alcar complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Nov 6, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Nov 5, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 3, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 31, 2026 | Student loans | Dealing with your lender or servicerKeep getting calls about your loan | In progress |
| Oct 29, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 29, 2026 | Payday & personal loans | Getting the loan | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 27, 2026 | Payday & personal loans | Problem when making payments | No timely reply |
| Oct 26, 2026 | Payday & personal loans | Getting the loan | No timely reply |
| Oct 25, 2026 | Payday & personal loans | Getting the loan | Explained |
| Oct 22, 2026 | Payday & personal loans | Problem when making payments | In progress |
Questions about Alcar
How many complaints does Alcar have?
Alcar has 134 complaints on record since October 2024, including 116 in the last 12 months and 21 in the last 30 days. That makes it number 440 of every company by complaints this year.
Does Alcar respond to complaints?
Yes. Alcar answered 92.2% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 10/100 (grade F).
What do people complain about most with Alcar?
The most common problems are getting the loan (36), charged fees or interest you didn't expect (14), problem when making payments (12).
Is Alcar legit?
Alcar is a real company with a public complaint record: consumers have complained about it 134 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Alcar legit? for the signals, red flags and how to protect yourself.
Are complaints about Alcar going up or down?
Up. There were 116 complaints in the last 12 months against 17 in the 12 before (+582%). See every month.
How do I file a complaint against Alcar?
Complain to Alcar in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Alcar complaints come from?
Most come from Florida (15), Texas (15), California (13). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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