Credit bureau · complaint record
Go Capital complaints
Filed under Go Capital Holdings, LLC
Consumers have filed 248 complaints about Go Capital since 2015, 75 of them in the last 12 months (+70% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is improper use of your report.
Weak response record. How it works
- Complaints on record
- 248
- Last 12 months
- 75
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #85 of 566
Since February 2015
+70% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 21, 2026
Most complained-about credit bureaus & report companies
Go Capital complaints by month
The busiest month was February 2026 (13 complaints). Complaints in the last 12 months are up 70% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Go Capital answered last 12 months
- Closed with explanation7093.3%
- In progress56.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend3/15+70% vs last year
What Go Capital complaints are about
Top Go Capital problems last 12 months
Inside "Improper use of your report"
- Reporting company used your report improperly 63
- Credit inquiries on your report that you don't recognize 35
Where Go Capital complaints come from
Most complaints: Georgia (53), Texas (32), Illinois (29), Florida (25), North Carolina (12).
Go Capital compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Happy MoneyCredit reporting | 51 | 87 | C |
| 2 | Madison AutoCredit reporting | 45 | 86 | D |
| 3 | Arivo AcceptanceCredit reporting | 22 | 81 | F |
| 4 | Porsche Financial ServicesCredit reporting | 47 | 77 | D |
| 5 | Go CapitalCredit reporting | 48 | 75 | D |
| 6 | GFS IICredit reporting | 60 | 74 | C |
| 7 | 700 Credit ExpertsCredit reporting | 0 | 73 | F |
| 8 | Greenstate Credit UnionCredit reporting | 63 | 71 | C |
Compare side by side: Go Capital vs Happy Money · Go Capital vs Madison Auto · Go Capital vs Arivo Acceptance · Go Capital vs Porsche Financial Services
What people say about Go Capital
All experiencesNo experiences with Go Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Go Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 21, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 20, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 9, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | In progress |
| Oct 9, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Oct 6, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | In progress |
| Oct 5, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | In progress |
| Sep 30, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 21, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Sep 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 3, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | In progress |
| Sep 2, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Go Capital
How many complaints does Go Capital have?
Go Capital has 248 complaints on record since February 2015, including 75 in the last 12 months and 3 in the last 30 days. That makes it number 555 of every company by complaints this year.
Does Go Capital respond to complaints?
Yes. Go Capital 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. Its Response Score is 48/100 (grade D).
What do people complain about most with Go Capital?
The most common problems are improper use of your report (98), incorrect information on your report (45), attempts to collect debt not owed (11).
Is Go Capital legit?
Go Capital is a real company with a public complaint record: consumers have complained about it 248 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Go Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Go Capital going up or down?
Up. There were 75 complaints in the last 12 months against 44 in the 12 before (+70%). See every month.
How do I file a complaint against Go Capital?
Complain to Go Capital 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 Go Capital complaints come from?
Most come from Georgia (53), Texas (32), Illinois (29). 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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