Auto lender · complaint record
Innovate Managed complaints
Filed under Innovate Managed Holdings, LLC
Consumers have filed 233 complaints about Innovate Managed since 2016, 32 of them in the last 12 months (+39% on the year before). It answered 50% on time and closed 0% with relief for the customer - less often than a typical auto lender. The most common problem is managing the loan or lease. It is the 25th most complained-about of 193 auto lenders this year.
Poor response record. How it works
- Complaints on record
- 233
- Last 12 months
- 32
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #25 of 193
Since May 2016
+39% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Oct 19, 2026
Most complained-about auto lenders
Innovate Managed complaints by month
The busiest month was February 2023 (8 complaints). Complaints in the last 12 months are up 39% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Innovate Managed answered last 12 months
- Closed with explanation32100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4550% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+39% vs last year
What Innovate Managed complaints are about
Top Innovate Managed problems
Inside "Managing the loan or lease"
- Billing problem 26
- Loan sold or transferred to another company 10
- Problem with additional products or services purchased with the loan 5
- Problem with the interest rate 3
- Problem with fees charged 3
Where Innovate Managed complaints come from
Most complaints: Florida (45), Texas (40), Georgia (23), California (13), Maryland (12).
Innovate Managed compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Premier Auto CreditAuto loans & leases | 48 | 43 | D |
| 2 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 3 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 4 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 5 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 6 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 7 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 8 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
Compare side by side: Innovate Managed vs Premier Auto Credit · Innovate Managed vs The Savings Group · Innovate Managed vs AC AutoPay LLC, Denver, CO Branch · Innovate Managed vs CARS Acquisition
What people say about Innovate Managed
All experiencesNo experiences with Innovate Managed yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Innovate Managed complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 13, 2026 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Sep 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 4, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 2, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Aug 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 21, 2026 | 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 | Explained |
| Aug 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 12, 2026 | Auto loans & leases | Problems at the end of the loan or leaseProblem with paying off the loan | Explained |
| Aug 12, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 11, 2026 | Auto loans & leases | Managing the loan or leaseLoan sold or transferred to another company | Explained |
| Aug 10, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about Innovate Managed
How many complaints does Innovate Managed have?
Innovate Managed has 233 complaints on record since May 2016, including 32 in the last 12 months and 1 in the last 30 days. That makes it number 859 of every company by complaints this year.
Does Innovate Managed respond to complaints?
Yes. Innovate Managed answered 50% 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 6/100 (grade F).
What do people complain about most with Innovate Managed?
The most common problems are managing the loan or lease (50), problems at the end of the loan or lease (25), attempts to collect debt not owed (20).
Is Innovate Managed legit?
Innovate Managed is a real company with a public complaint record: consumers have complained about it 233 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Innovate Managed legit? for the signals, red flags and how to protect yourself.
Are complaints about Innovate Managed going up or down?
Up. There were 32 complaints in the last 12 months against 23 in the 12 before (+39%). See every month.
How do I file a complaint against Innovate Managed?
Complain to Innovate Managed 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 Innovate Managed complaints come from?
Most come from Florida (45), Texas (40), Georgia (23). 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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