Lender · complaint record
Special Financing complaints
Filed under Special Financing Company, LLC
Consumers have filed 121 complaints about Special Financing since 2015, 25 of them in the last 12 months (-24% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is problem when making payments.
Average response record. How it works
- Complaints on record
- 121
- Last 12 months
- 25
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #67 of 272
Since October 2015
-24% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 8, 2026
Most complained-about personal & payday lenders
Special Financing complaints by month
The busiest month was July 2025 (7 complaints). Complaints in the last 12 months are down 24% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Special Financing answered last 12 months
- Closed with explanation25100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-24% vs last year
What Special Financing complaints are about
Top Special Financing problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 13
- Reporting company used your report improperly 8
Where Special Financing complaints come from
Most complaints: California (19), Georgia (14), Texas (13), Virginia (7), Florida (7).
Special Financing compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Giggle FinancePayday & personal loans | 15 | 30 | F |
| 2 | SoLo FundsPayday & personal loans | 27 | 29 | F |
| 3 | AAA Auto Title LoansPayday & personal loans | 77 | 29 | B |
| 4 | PowerpayPayday & personal loans | 55 | 26 | C |
| 5 | AmeriCashPayday & personal loans | 10 | 26 | F |
| 6 | DLC, LLCPayday & personal loans | 63 | 26 | C |
| 7 | Boost Your ScorePayday & personal loans | 45 | 25 | D |
| 8 | Special FinancingPayday & personal loans | 60 | 25 | C |
Compare side by side: Special Financing vs Giggle Finance · Special Financing vs SoLo Funds · Special Financing vs AAA Auto Title Loans · Special Financing vs Powerpay
What people say about Special Financing
All experiencesNo experiences with Special Financing yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Special Financing complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Payday & personal loans | Problem with additional add-on products or services | Explained |
| Oct 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 12, 2026 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Explained |
| Oct 7, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 30, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 16, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Sep 15, 2026 | Student loans | Struggling to repay your loanCan't temporarily delay making payments | Explained |
| Sep 14, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Aug 21, 2026 | Payday & personal loans | Getting the loan | Explained |
| Aug 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 10, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
Questions about Special Financing
How many complaints does Special Financing have?
Special Financing has 121 complaints on record since October 2015, including 25 in the last 12 months and 2 in the last 30 days. That makes it number 972 of every company by complaints this year.
Does Special Financing respond to complaints?
Yes. Special Financing 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. Its Response Score is 60/100 (grade C).
What do people complain about most with Special Financing?
The most common problems are problem when making payments (10), improper use of your report (21), charged fees or interest you didn't expect (12).
Is Special Financing legit?
Special Financing is a real company with a public complaint record: consumers have complained about it 121 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Special Financing legit? for the signals, red flags and how to protect yourself.
Are complaints about Special Financing going up or down?
Down. There were 25 complaints in the last 12 months against 33 in the 12 before (-24%). See every month.
How do I file a complaint against Special Financing?
Complain to Special Financing 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 Special Financing complaints come from?
Most come from California (19), Georgia (14), Texas (13). 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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