Auto lender · complaint record
State Cap Auto Finance complaints
Filed under State Cap Auto Finance, Inc
Consumers have filed 12 complaints about State Cap Auto Finance since 2017, 3 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
- 12
- Last 12 months
- 3
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #84 of 193
Since March 2017
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jul 12, 2026
Most complained-about auto lenders
State Cap Auto Finance complaints by month
The busiest month was July 2025 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How State Cap Auto Finance answered all time
- Closed with explanation12100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What State Cap Auto Finance complaints are about
Top State Cap Auto Finance problems
Inside "Repossession"
- Notice to repossess 1
- Damage caused or loss of personal items in vehicle during the actual repossession 1
- Loan balance remaining after the vehicle is repossessed and sold 1
State Cap Auto Finance 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 | State Cap Auto FinanceAuto loans & leases | - | 3 | - |
Compare side by side: State Cap Auto Finance vs The Savings Group · State Cap Auto Finance vs AC AutoPay LLC, Denver, CO Branch · State Cap Auto Finance vs CARS Acquisition · State Cap Auto Finance vs EA Holdings
What people say about State Cap Auto Finance
All experiencesNo experiences with State Cap Auto Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest State Cap Auto Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 12, 2026 | Auto loans & leases | RepossessionDamage caused or loss of personal items in vehicle during the actual repossession | Explained |
| Jul 3, 2026 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Jun 7, 2026 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Jul 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 8, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| May 5, 2025 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Apr 11, 2025 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 8, 2024 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Apr 29, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 10, 2021 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Mar 27, 2020 | Payday & personal loans | Struggling to pay your loan | Explained |
| Mar 16, 2017 | Auto loans & leases | Problems when you are unable to pay | Explained |
Questions about State Cap Auto Finance
How many complaints does State Cap Auto Finance have?
State Cap Auto Finance has 12 complaints on record since March 2017, including 3 in the last 12 months and 0 in the last 30 days. That makes it number 2,246 of every company by complaints this year.
Does State Cap Auto Finance respond to complaints?
Yes. State Cap Auto Finance 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 State Cap Auto Finance?
The most common problems are repossession (3), managing the loan or lease (1), problem with a company's investigation into an existing problem (2).
Is State Cap Auto Finance legit?
State Cap Auto Finance is a real company with a public complaint record: consumers have complained about it 12 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is State Cap Auto Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against State Cap Auto Finance?
Complain to State Cap Auto Finance 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 State Cap Auto Finance complaints come from?
Most come from Rhode Island (7), Massachusetts (5). 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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