Debt collector · complaint record
Carolina Finance complaints
Filed under CAROLINA FINANCE, LLC
Consumers have filed 88 complaints about Carolina Finance since 2015, 11 of them in the last 12 months (-8% on the year before). It answered 18.2% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 88
- Last 12 months
- 11
- Answered on time
- 18.2%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #699 of 1,963
Since January 2015
-8% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Aug 13, 2026
Most complained-about debt collectors
Carolina Finance complaints by month
The busiest month was July 2022 (4 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Carolina Finance answered all time
- Closed with non-monetary relief1314.8%
- Closed with explanation6675%
- Untimely response910.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Carolina Finance complaints are about
Top Carolina Finance problems
Inside "Incorrect information on your report"
- Account information incorrect 8
- Information belongs to someone else 8
- Account status incorrect 3
- Old information reappears or never goes away 2
Where Carolina Finance complaints come from
Most complaints: North Carolina (34), Virginia (25), South Carolina (15), Georgia (3), Ohio (2).
Carolina Finance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Carolina FinanceDebt collection | - | 11 | - |
Compare side by side: Carolina Finance vs Green Square · Carolina Finance vs EMoneyUSA · Carolina Finance vs Mullooly Jeffrey Rooney & Flynn · Carolina Finance vs Credit World Services
What people say about Carolina Finance
All experiencesNo experiences with Carolina Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Carolina Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 14, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 30, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | No timely reply |
| Mar 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 23, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Feb 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Dec 21, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Dec 11, 2025 | Auto loans & leases | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 12, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Carolina Finance
How many complaints does Carolina Finance have?
Carolina Finance has 88 complaints on record since January 2015, including 11 in the last 12 months and 0 in the last 30 days. That makes it number 1,392 of every company by complaints this year.
Does Carolina Finance respond to complaints?
Yes. Carolina Finance answered 18.2% 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.
What do people complain about most with Carolina Finance?
The most common problems are attempts to collect debt not owed (13), took or threatened to take negative or legal action (3), incorrect information on your report (21).
Is Carolina Finance legit?
Carolina Finance is a real company with a public complaint record: consumers have complained about it 88 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Carolina Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Carolina Finance going up or down?
Roughly level. There were 11 complaints in the last 12 months against 12 in the 12 before (-8%). See every month.
How do I file a complaint against Carolina Finance?
Complain to Carolina Finance 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 Carolina Finance complaints come from?
Most come from North Carolina (34), Virginia (25), South Carolina (15). 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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