Auto lender · complaint record
Headwaters Financial complaints
Filed under Headwaters Financial Corp.
Consumers have filed 6 complaints about Headwaters Financial since 2015, 2 of them in the last 12 months. It answered 0% on time and closed 100% with relief for the customer. The most common problem is managing the loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 100%
- Last 30 days
- 0
- Rank
- #103 of 193
Since March 2015
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Feb 19, 2026
Most complained-about auto lenders
Headwaters Financial complaints by month
The busiest month was March 2015 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Headwaters Financial answered all time
- Closed with non-monetary relief116.7%
- Untimely response583.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Headwaters Financial complaints are about
Top Headwaters Financial problems
Inside "Managing the loan or lease"
- Billing problem 1
Where Headwaters Financial complaints come from
Most complaints: South Carolina (3), Texas (1), Virginia (1), Georgia (1).
Headwaters Financial 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 | Headwaters FinancialAuto loans & leases | - | 2 | - |
Compare side by side: Headwaters Financial vs The Savings Group · Headwaters Financial vs AC AutoPay LLC, Denver, CO Branch · Headwaters Financial vs CARS Acquisition · Headwaters Financial vs EA Holdings
What people say about Headwaters Financial
All experiencesNo experiences with Headwaters Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Headwaters Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Dec 15, 2025 | Auto loans & leases | Managing the loan or leaseBilling problem | No timely reply |
| Oct 14, 2025 | 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 | No timely reply |
| Sep 22, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 29, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Mar 23, 2015 | Auto loans & leases | Managing the loan or lease | Fixed |
Questions about Headwaters Financial
How many complaints does Headwaters Financial have?
Headwaters Financial has 6 complaints on record since March 2015, 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 Headwaters Financial respond to complaints?
Yes. Headwaters Financial answered 0% of its complaints on time (within 15 days) and closed 100% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Headwaters Financial?
The most common problems are managing the loan or lease (2), attempts to collect debt not owed (2), problems at the end of the loan or lease (1).
Is Headwaters Financial legit?
Headwaters Financial is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Headwaters Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Headwaters Financial?
Complain to Headwaters 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 Headwaters Financial complaints come from?
Most come from South Carolina (3), Texas (1), Virginia (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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