Auto lender · complaint record
Lendsmart complaints
Filed under Lendsmart, Inc.
Consumers have filed 11 complaints about Lendsmart since 2022, 1 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 repossession.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 11
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #133 of 193
Since February 2022
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Feb 17, 2026
Most complained-about auto lenders
Lendsmart complaints by month
The busiest month was September 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Lendsmart answered all time
- Closed with explanation11100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Lendsmart complaints are about
Top Lendsmart problems
Inside "Repossession"
- Account reinstatement or redemption after repossession 1
- Damage caused or loss of personal items in vehicle during the actual repossession 1
- Company communicating payment assistance or payment extension options 1
- Company explaining amount owed 1
Lendsmart 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 | LendsmartAuto loans & leases | - | 1 | - |
Compare side by side: Lendsmart vs The Savings Group · Lendsmart vs AC AutoPay LLC, Denver, CO Branch · Lendsmart vs CARS Acquisition · Lendsmart vs EA Holdings
What people say about Lendsmart
All experiencesNo experiences with Lendsmart yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Lendsmart complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 17, 2026 | Auto loans & leases | RepossessionCompany communicating payment assistance or payment extension options | Explained |
| Sep 15, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 9, 2024 | Auto loans & leases | RepossessionCompany explaining amount owed | Explained |
| Sep 29, 2024 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Sep 9, 2024 | Auto loans & leases | RepossessionAccount reinstatement or redemption after repossession | Explained |
| Aug 3, 2024 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 20, 2023 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 28, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 27, 2022 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Aug 24, 2022 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
| Feb 22, 2022 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
Questions about Lendsmart
How many complaints does Lendsmart have?
Lendsmart has 11 complaints on record since February 2022, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Lendsmart respond to complaints?
Yes. Lendsmart 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 Lendsmart?
The most common problems are repossession (4), struggling to pay your loan (2), improper use of your report (2).
Is Lendsmart legit?
Lendsmart is a real company with a public complaint record: consumers have complained about it 11 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Lendsmart legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Lendsmart?
Complain to Lendsmart 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 Lendsmart complaints come from?
Most come from California (7), Arizona (3), Florida (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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