Auto lender · complaint record
Caribou Financial complaints
Filed under Caribou Financial, Inc.
Consumers have filed 40 complaints about Caribou Financial since 2020, 21 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is improper use of your report. It is the 30th most complained-about of 193 auto lenders this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 40
- Last 12 months
- 21
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #30 of 193
Since August 2020
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Oct 22, 2026
Most complained-about auto lenders
Caribou Financial complaints by month
The busiest month was March 2026 (6 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Caribou Financial answered all time
- Closed with explanation40100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Caribou Financial complaints are about
Top Caribou Financial problems
Inside "Getting a loan or lease"
- Confusing or misleading advertising or marketing 6
- Changes in terms mid-deal or after closing 5
- Credit denial 2
Where Caribou Financial complaints come from
Most complaints: Texas (7), California (5), New York (3), Michigan (2), Arizona (2).
Caribou Financial compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Caribou FinancialAuto loans & leases | - | 21 | - |
Compare side by side: Caribou Financial vs The Savings Group · Caribou Financial vs AC AutoPay LLC, Denver, CO Branch · Caribou Financial vs CARS Acquisition · Caribou Financial vs EA Holdings
What people say about Caribou Financial
All experiencesNo experiences with Caribou Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Caribou Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 22, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Sep 5, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 16, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Aug 3, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jun 24, 2026 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Jun 3, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| May 29, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| May 24, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 14, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 30, 2026 | Auto loans & leases | Incorrect information on your reportAccount information incorrect | Explained |
| Mar 27, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
Questions about Caribou Financial
How many complaints does Caribou Financial have?
Caribou Financial has 40 complaints on record since August 2020, including 21 in the last 12 months and 1 in the last 30 days. That makes it number 1,049 of every company by complaints this year.
Does Caribou Financial respond to complaints?
Yes. Caribou Financial answered 100% 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.
What do people complain about most with Caribou Financial?
The most common problems are improper use of your report (9), managing the loan or lease (7), getting a loan or lease (13).
Is Caribou Financial legit?
Caribou Financial is a real company with a public complaint record: consumers have complained about it 40 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Caribou Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Caribou Financial?
Complain to Caribou Financial 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 Caribou Financial complaints come from?
Most come from Texas (7), California (5), New York (3). 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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