Auto lender · complaint record
Creative Finance complaints
Filed under Creative Finance, Inc.
Consumers have filed 23 complaints about Creative Finance since 2021, 6 of them in the last 12 months. It answered 66.7% on time and closed 0% with relief for the customer. The most common problem is false statements or representation.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 23
- Last 12 months
- 6
- Answered on time
- 66.7%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #64 of 193
Since August 2021
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jul 5, 2026
Most complained-about auto lenders
Creative Finance complaints by month
The busiest month was February 2025 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Creative Finance answered all time
- Closed with explanation23100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Creative Finance complaints are about
Top Creative Finance problems
Inside "Incorrect information on your report"
- Account status incorrect 5
- Account information incorrect 2
Where Creative Finance complaints come from
Most complaints: Wisconsin (16), Illinois (3), Arizona (1), Alabama (1), Minnesota (1).
Creative Finance 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 | Creative FinanceAuto loans & leases | - | 6 | - |
Compare side by side: Creative Finance vs The Savings Group · Creative Finance vs AC AutoPay LLC, Denver, CO Branch · Creative Finance vs CARS Acquisition · Creative Finance vs EA Holdings
What people say about Creative Finance
All experiencesNo experiences with Creative Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Creative Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 18, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| May 19, 2026 | Auto loans & leases | Incorrect information on your reportAccount status incorrect | Explained |
| Mar 11, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesProblem with product or service terms changing | Explained |
| Mar 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 2, 2026 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Sep 9, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 3, 2025 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Jul 17, 2025 | Debt relief & credit repair | Confusing or missing disclosures | Explained |
| Feb 24, 2025 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Feb 19, 2025 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | Explained |
| Feb 7, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
Questions about Creative Finance
How many complaints does Creative Finance have?
Creative Finance has 23 complaints on record since August 2021, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does Creative Finance respond to complaints?
Yes. Creative Finance answered 66.7% 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 Creative Finance?
The most common problems are false statements or representation (2), incorrect information on your report (7), problem with a company's investigation into an existing problem (2).
Is Creative Finance legit?
Creative Finance is a real company with a public complaint record: consumers have complained about it 23 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Creative Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Creative Finance?
Complain to Creative 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 Creative Finance complaints come from?
Most come from Wisconsin (16), Illinois (3), Arizona (1). 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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