Auto lender · complaint record
Independent Finance complaints
Filed under Independent Finance Company LLC
Consumers have filed 6 complaints about Independent Finance since 2017, 2 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is problem with a company's investigation into an existing problem.
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
- 0%
- Last 30 days
- 0
- Rank
- #103 of 193
Since September 2017
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Apr 26, 2026
Most complained-about auto lenders
Independent Finance complaints by month
The busiest month was September 2017 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Independent Finance answered all time
- Closed with explanation350%
- Untimely response350%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Independent Finance complaints are about
Top Independent Finance problems
Inside "Problem with a company's investigation into an existing problem"
- Investigation took more than 30 days 1
Independent 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 | Independent FinanceAuto loans & leases | - | 2 | - |
Compare side by side: Independent Finance vs The Savings Group · Independent Finance vs AC AutoPay LLC, Denver, CO Branch · Independent Finance vs CARS Acquisition · Independent Finance vs EA Holdings
What people say about Independent Finance
All experiencesNo experiences with Independent Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Independent Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 26, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | No timely reply |
| Feb 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | No timely reply |
| Aug 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Aug 23, 2021 | Auto loans & leases | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Jul 29, 2019 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 7, 2017 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
Questions about Independent Finance
How many complaints does Independent Finance have?
Independent Finance has 6 complaints on record since September 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 Independent Finance respond to complaints?
Yes. Independent Finance answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Independent Finance?
The most common problems are problem with a company's investigation into an existing problem (1), repossession (1), problems at the end of the loan or lease (1).
Is Independent Finance legit?
Independent Finance 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 Independent Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Independent Finance?
Complain to Independent 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 Independent Finance complaints come from?
Most come from Colorado (3), Indiana (2), Louisiana (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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