Auto lender · complaint record
ML Credit complaints
Filed under ML Credit Holdings, LLC
Consumers have filed 3 complaints about ML Credit since 2017, none in the last 12 months. It answered 100% on time and closed 33% 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
- 3
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 33%
- Last 30 days
- 0
- Rank
- -
Since November 2017
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: May 3, 2019
ML Credit complaints by month
The busiest month was November 2017 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How ML Credit answered all time
- Closed with monetary relief133.3%
- Closed with explanation266.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What ML Credit complaints are about
Top ML Credit problems
Inside "Managing the loan or lease"
- Problem with additional products or services purchased with the loan 1
- Billing problem 1
ML Credit 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 | ML CreditAuto loans & leases | - | 0 | - |
Compare side by side: ML Credit vs The Savings Group · ML Credit vs AC AutoPay LLC, Denver, CO Branch · ML Credit vs CARS Acquisition · ML Credit vs EA Holdings
What people say about ML Credit
All experiencesNo experiences with ML Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest ML Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 3, 2019 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Apr 10, 2019 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Money back |
| Nov 9, 2017 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about ML Credit
How many complaints does ML Credit have?
ML Credit has 3 complaints on record since November 2017, including 0 in the last 12 months and 0 in the last 30 days.
Does ML Credit respond to complaints?
Yes. ML Credit answered 100% of its complaints on time (within 15 days) and closed 33% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with ML Credit?
The most common problems are managing the loan or lease (2), improper use of your report (1).
Is ML Credit legit?
ML Credit is a real company with a public complaint record: consumers have complained about it 3 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is ML Credit legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against ML Credit?
Complain to ML Credit 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 ML Credit complaints come from?
Most come from South Carolina (2), Connecticut (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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