Auto lender · complaint record
Cooley Enterprises complaints
Filed under COOLEY ENTERPRISES INC
Consumers have filed 147 complaints about Cooley Enterprises since 2014, 31 of them in the last 12 months (+19% on the year before). It answered 0% on time and closed 14% with relief for the customer. The most common problem is improper use of your report. It is the 26th most complained-about of 193 auto lenders this year.
Poor response record. How it works
- Complaints on record
- 147
- Last 12 months
- 31
- Answered on time
- 0%
- Closed with relief
- 14%
- Last 30 days
- 1
- Rank
- #26 of 193
Since October 2014
+19% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Oct 27, 2026
Most complained-about auto lenders
Cooley Enterprises complaints by month
The busiest month was March 2026 (9 complaints). Complaints in the last 12 months are up 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cooley Enterprises answered last 12 months
- Untimely response31100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/4013.6% closed with relief
- Complaint trend8/15+19% vs last year
What Cooley Enterprises complaints are about
Top Cooley Enterprises problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 21
- Reporting company used your report improperly 10
- Report provided to employer without your written authorization 1
Where Cooley Enterprises complaints come from
Most complaints: Texas (136), Georgia (2), Nebraska (2), New Mexico (1), Arizona (1).
Cooley Enterprises compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Premier Auto CreditAuto loans & leases | 48 | 43 | D |
| 2 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 3 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 4 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 5 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 6 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 7 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 8 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
Compare side by side: Cooley Enterprises vs Premier Auto Credit · Cooley Enterprises vs The Savings Group · Cooley Enterprises vs AC AutoPay LLC, Denver, CO Branch · Cooley Enterprises vs CARS Acquisition
What people say about Cooley Enterprises
All experiencesNo experiences with Cooley Enterprises yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cooley Enterprises complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Oct 13, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | No timely reply |
| Sep 28, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Sep 26, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | No timely reply |
| Sep 25, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | No timely reply |
| Sep 15, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | No timely reply |
| Aug 17, 2026 | Auto loans & leases | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 30, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | No timely reply |
| Jun 22, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | No timely reply |
| Apr 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Mar 26, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | No timely reply |
| Mar 25, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | No timely reply |
Questions about Cooley Enterprises
How many complaints does Cooley Enterprises have?
Cooley Enterprises has 147 complaints on record since October 2014, including 31 in the last 12 months and 1 in the last 30 days. That makes it number 871 of every company by complaints this year.
Does Cooley Enterprises respond to complaints?
Yes. Cooley Enterprises answered 0% of its complaints on time (within 15 days) and closed 14% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 8/100 (grade F).
What do people complain about most with Cooley Enterprises?
The most common problems are improper use of your report (32), getting a loan or lease (27), managing the loan or lease (16).
Is Cooley Enterprises legit?
Cooley Enterprises is a real company with a public complaint record: consumers have complained about it 147 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cooley Enterprises legit? for the signals, red flags and how to protect yourself.
Are complaints about Cooley Enterprises going up or down?
Up. There were 31 complaints in the last 12 months against 26 in the 12 before (+19%). See every month.
How do I file a complaint against Cooley Enterprises?
Complain to Cooley Enterprises 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 Cooley Enterprises complaints come from?
Most come from Texas (136), Georgia (2), Nebraska (2). 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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