Auto lender · complaint record
Smartpay complaints
Filed under SMARTPAY, LLC
Consumers have filed 3 complaints about Smartpay since 2022, none in the last 12 months. It answered 100% on time and closed 67% 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
- 67%
- Last 30 days
- 0
- Rank
- -
Since November 2022
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: May 13, 2024
Smartpay complaints by month
The busiest month was November 2022 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Smartpay answered all time
- Closed with monetary relief266.7%
- Closed with explanation133.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Smartpay problems
Inside "Managing the loan or lease"
- Problem with additional products or services purchased with the loan 1
- Billing problem 1
Smartpay 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 | SmartpayAuto loans & leases | - | 0 | - |
Compare side by side: Smartpay vs The Savings Group · Smartpay vs AC AutoPay LLC, Denver, CO Branch · Smartpay vs CARS Acquisition · Smartpay vs EA Holdings
What people say about Smartpay
All experiencesNo experiences with Smartpay yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Smartpay complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 13, 2024 | Auto loans & leases | Getting a loan or leaseProblem with additional add-on products or services purchased with the loan | Explained |
| Apr 24, 2024 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Money back |
| Nov 21, 2022 | Auto loans & leases | Managing the loan or leaseBilling problem | Money back |
Questions about Smartpay
How many complaints does Smartpay have?
Smartpay has 3 complaints on record since November 2022, including 0 in the last 12 months and 0 in the last 30 days.
Does Smartpay respond to complaints?
Yes. Smartpay answered 100% of its complaints on time (within 15 days) and closed 67% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Smartpay?
The most common problems are managing the loan or lease (2), getting a loan or lease (1).
Is Smartpay legit?
Smartpay 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 Smartpay legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Smartpay?
Complain to Smartpay 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 Smartpay complaints come from?
Most come from North Carolina (1), Ohio (1), Wisconsin (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
Talk about Smartpay
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