Credit bureau · complaint record
Garcadia Financial complaints
Filed under Garcadia Financial LLC
Consumers have filed 108 complaints about Garcadia Financial since 2016, none in the last 12 months. It answered 100% on time and closed 5% with relief for the customer. The most common problem is improper use of your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 108
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 5%
- Last 30 days
- 0
- Rank
- -
Since September 2016
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: May 16, 2022
Garcadia Financial complaints by month
The busiest month was October 2021 (7 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Garcadia Financial answered all time
- Closed with monetary relief32.8%
- Closed with non-monetary relief21.9%
- Closed with explanation10193.5%
- Closed21.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Garcadia Financial complaints are about
Top Garcadia Financial problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 34
- Reporting company used your report improperly 6
- Report provided to employer without your written authorization 2
Where Garcadia Financial complaints come from
Most complaints: Georgia (17), Texas (17), Arizona (8), Utah (7), California (6).
Garcadia Financial compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Garcadia FinancialCredit reporting | - | 0 | - |
Compare side by side: Garcadia Financial vs Apple Financing · Garcadia Financial vs Nav Technologies · Garcadia Financial vs Opportunity Fund · Garcadia Financial vs Heritage Financial Group
What people say about Garcadia Financial
All experiencesNo experiences with Garcadia Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Garcadia Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 16, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 4, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Apr 28, 2022 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Apr 21, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Apr 21, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 29, 2022 | 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 | Fixed |
| Mar 22, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 17, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 9, 2022 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Mar 8, 2022 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 7, 2022 | Auto loans & leases | Managing the loan or leaseProblem with fees charged | Explained |
| Feb 22, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Garcadia Financial
How many complaints does Garcadia Financial have?
Garcadia Financial has 108 complaints on record since September 2016, including 0 in the last 12 months and 0 in the last 30 days.
Does Garcadia Financial respond to complaints?
Yes. Garcadia Financial answered 100% of its complaints on time (within 15 days) and closed 5% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Garcadia Financial?
The most common problems are improper use of your report (42), incorrect information on your report (16), managing the loan or lease (13).
Is Garcadia Financial legit?
Garcadia Financial is a real company with a public complaint record: consumers have complained about it 108 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Garcadia Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Garcadia Financial?
Complain to Garcadia 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 Garcadia Financial complaints come from?
Most come from Georgia (17), Texas (17), Arizona (8). 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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