Credit bureau · complaint record
Granite Bay Acceptance complaints
Filed under Granite Bay Acceptance Inc.
Consumers have filed 24 complaints about Granite Bay Acceptance since 2017, 2 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 24
- Last 12 months
- 2
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #342 of 566
Since October 2017
new vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Apr 8, 2026
Most complained-about credit bureaus & report companies
Granite Bay Acceptance complaints by month
The busiest month was July 2021 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Granite Bay Acceptance answered all time
- Closed with explanation24100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Granite Bay Acceptance complaints are about
Top Granite Bay Acceptance problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 11
- Reporting company used your report improperly 4
- Received unsolicited financial product or insurance offers after opting out 2
Where Granite Bay Acceptance complaints come from
Most complaints: California (5), Illinois (4), Pennsylvania (2), South Carolina (1), Florida (1).
Granite Bay Acceptance 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 | Granite Bay AcceptanceCredit reporting | - | 2 | - |
Compare side by side: Granite Bay Acceptance vs Apple Financing · Granite Bay Acceptance vs Nav Technologies · Granite Bay Acceptance vs Opportunity Fund · Granite Bay Acceptance vs Heritage Financial Group
What people say about Granite Bay Acceptance
All experiencesNo experiences with Granite Bay Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Granite Bay Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 23, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 10, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 28, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 1, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Feb 20, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 19, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 7, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 7, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 19, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jun 6, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 16, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Granite Bay Acceptance
How many complaints does Granite Bay Acceptance have?
Granite Bay Acceptance has 24 complaints on record since October 2017, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Granite Bay Acceptance respond to complaints?
Yes. Granite Bay Acceptance 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.
What do people complain about most with Granite Bay Acceptance?
The most common problems are incorrect information on your report (3), took or threatened to take negative or legal action (1), improper use of your report (17).
Is Granite Bay Acceptance legit?
Granite Bay Acceptance is a real company with a public complaint record: consumers have complained about it 24 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Granite Bay Acceptance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Granite Bay Acceptance?
Complain to Granite Bay Acceptance 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 Granite Bay Acceptance complaints come from?
Most come from California (5), Illinois (4), Pennsylvania (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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