Auto lender · complaint record
OpenRoad Lending complaints
Consumers have filed 124 complaints about OpenRoad Lending since 2014, 5 of them in the last 12 months (-58% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is getting a loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 124
- Last 12 months
- 5
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #71 of 193
Since August 2014
-58% vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jun 23, 2026
Most complained-about auto lenders
OpenRoad Lending complaints by month
The busiest month was August 2016 (7 complaints). Complaints in the last 12 months are down 58% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How OpenRoad Lending answered all time
- Closed with monetary relief10.8%
- Closed with explanation11996%
- Closed43.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What OpenRoad Lending complaints are about
Top OpenRoad Lending problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 32
- Reporting company used your report improperly 5
- Received unsolicited financial product or insurance offers after opting out 4
Where OpenRoad Lending complaints come from
Most complaints: Florida (20), California (16), Texas (14), Arizona (7), Georgia (7).
OpenRoad Lending 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 | OpenRoad LendingAuto loans & leases | - | 5 | - |
Compare side by side: OpenRoad Lending vs The Savings Group · OpenRoad Lending vs AC AutoPay LLC, Denver, CO Branch · OpenRoad Lending vs CARS Acquisition · OpenRoad Lending vs EA Holdings
What people say about OpenRoad Lending
All experiencesNo experiences with OpenRoad Lending yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest OpenRoad Lending complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 23, 2026 | Auto loans & leases | Managing the loan or leaseProblem with the interest rate | Explained |
| Jun 9, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | Explained |
| Apr 26, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Mar 12, 2026 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Dec 21, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Sep 20, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Aug 24, 2025 | Auto loans & leases | Problems at the end of the loan or leaseProblem related to refinancing | Explained |
| Jul 23, 2025 | Auto loans & leases | Getting a loan or leaseConfusing or misleading advertising or marketing | Explained |
| Jul 21, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 4, 2025 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 23, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| May 13, 2025 | Payday & personal loans | Vehicle was repossessed or sold the vehicle | Explained |
Questions about OpenRoad Lending
How many complaints does OpenRoad Lending have?
OpenRoad Lending has 124 complaints on record since August 2014, including 5 in the last 12 months and 0 in the last 30 days. That makes it number 1,875 of every company by complaints this year.
Does OpenRoad Lending respond to complaints?
Yes. OpenRoad Lending 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 OpenRoad Lending?
The most common problems are getting a loan or lease (26), managing the loan or lease (9), problems at the end of the loan or lease (9).
Is OpenRoad Lending legit?
OpenRoad Lending is a real company with a public complaint record: consumers have complained about it 124 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is OpenRoad Lending legit? for the signals, red flags and how to protect yourself.
Are complaints about OpenRoad Lending going up or down?
Down. There were 5 complaints in the last 12 months against 12 in the 12 before (-58%). See every month.
How do I file a complaint against OpenRoad Lending?
Complain to OpenRoad Lending 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 OpenRoad Lending complaints come from?
Most come from Florida (20), California (16), Texas (14). 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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