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Business Profile

Auto Financing

Roadrunner Financial, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Auto Financing.

Complaints

This profile includes complaints for Roadrunner Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Roadrunner Financial, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 46 total complaints in the last 3 years.
    • 24 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/08/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

      Business Response

      Date: 05/12/2025

      We have received your recent BBB dispute dated May 8, 2025, regarding your account. After a thorough investigation, we found no evidence of wrongdoing on our part. We want to assure you that all actions involving our accounts are in strict compliance with applicable laws and regulations. Additionally, we report our accounts to the relevant credit bureaus in compliance with the **** and its associated guidelines. After reviewing your account, we have confirmed that all information in our records is accurate. Therefore, we will not be taking any further action regarding the requests and demands outlined in your correspondence. No adjustments or changes will be made to your tradeline other than to indicate that you dispute the tradeline as reported. Should you have any further questions, we would encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:04/24/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ROADRUNNER ACCOUNT SERVICES, I do not have a contract with ROADRUNNER ACCOUNT SERVICES, they did not provide me with the original contract as i requested

      Business Response

      Date: 04/30/2025

      We have received your recent Better Business Bureau complaint dated April 24, 2025, regarding the removal of the account from your credit report, based on your assertion that you do not have a contract with our organization. Following a thorough investigation, we have confirmed that you opened an account with us on March 22, 2021 and made a number of payments on the account.  The account was subsequently closed after you satisfied all your obligations on the account on March 29, 2022.  A review of our records confirmed that all information related to your account is accurate and being reported pursuant to applicable law. Should you have any further questions or if you would like a full copy of your agreement establishing the obligation, we would encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:04/21/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I need statements as I keep paying and company is not providing any statements or confirmation my payments are been processed and applied to my account. Numerous attempts to get statements have been unanswered.

      Business Response

      Date: 04/29/2025

      We have received your recent Better Business Bureau complaint dated April 21, 2025. We are sorry that you had a negative experience with our company, and we want to thank you for bringing this issue to our attention. Following our recent conversations, we have updated your billing preferences. You can now expect to receive your statements, which include information about your last payment, at the verified mailing address. The most recent statement was sent and delivered on April 26. If you would like immediate access to your account details, please visit our customer portal at **************************. Your satisfaction is important to us, and we are committed to assisting you in any way we can. If you have any further questions, we encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:04/09/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I seen multiple soft and hard inquires from Octane Lending/Roadrunner Financial, *** that were not authorized by me. I did not request any credit/loans for an off road machine. I was told my Octanes customer service that there were several soft pulls and a hard pulls. I told them I never filled out any credit apps for any off road loan/credit and the soft inquires and or hard inquires they pulled were either fraud or identity theft and i told them I want them removed asap. The *** from octane was not willing to help with at all and I was then transferred several times and no one was willing to help.

      Business Response

      Date: 04/11/2025

      We have received your recent BBB complaint dated April 9, 2025. We sincerely apologize for the unfortunate experience you had with our company. We investigated the matter fully and discovered evidence suggesting potential fraudulent activity. We truly understand how stressful and challenging this situation can be, and we want you to know that we are here to offer our support. To address your concerns, we will be removing any hard inquiries associated with our company. Additionally, we have taken measures to ensure that any applications using your information are isolated and prevented from being processed. As a crucial next step, we recommend filing a report with the ************************ (***) at *****************. This report not only documents what has happened but also provides you with a record to use when reaching out to other companies. We also encourage you to consider placing a security freeze on your credit report. This can provide you with an extra layer of protection against unauthorized access and help ease some of your worries. If you discover that your information has been misused with other companies, please dont hesitate to contact them as well. Its vital to report the fraud so that they can assist you in closing any fraudulent accounts. If you would like to contact us to discuss the matter further, we would encourage you to call us at ************. Thank you, Roadrunner Financial, Consumer Advocacy Department

    • Initial Complaint

      Date:03/19/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to formally request validation of the debt that your agency claims I owe, as required under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692g. I recently reviewed my credit report and noticed that your agency has reported an account under my name. However, I do not recognize this alleged debt, and I am exercising my right to request proper verification.The details of the reported account are as follows:EXPERIAN:Creditors Name: ROADRUNNER Account Number: ****** Account Opened: 07/01/2020 Balance: $5,209 EQUIFAX:Creditors Name: ROADRUNNER Account Number: ******Account Opened: 7/1/2020 Balance: $5,209 TRANSUNION:Creditors Name: ROADRUNNER Account Number: ****** Account Opened: 07/23/2020 Balance: $5,209 Pursuant to the ****** I request that you provide the following documentation as proof of this debt:1. A copy of the original signed agreement or contract that establishes my liability for this debt.2. A full itemized statement of the alleged debt, including the principal, interest, and fees.3. Documentation proving that you have legal authority to collect this debt on behalf of the original creditor.4. The date of the last payment made on this account, and a detailed payment history.5. Copies of any judgments or legal actions taken in relation to this debt (if applicable).Until you have provided proper validation, I request that you cease all collection activities, including reporting this account to the credit bureaus. If you cannot validate this debt, you must remove it from my credit report immediately in compliance with the Fair Credit Reporting Act (FCRA) 15 U.S.C. 1681i(a).Please note that failure to comply with this request may result in complaints filed with the Consumer Financial ***************** (CFPB), the Better Business Bureau (BBB), and my State Attorney General's Office.I expect a written response within 30 days of receiving this letter.

      Business Response

      Date: 03/24/2025

      We have received your recent BBB complaint dated March 19, 2025,  regarding your obligations under the retail installment agreement with our company. We have completed our investigation and have confirmed that you currently have a balance on the account mentioned in the submitted BBB complaint.  In reviewing your correspondence, though we are not a debt collector as defined under the ***** and thus not subject to the debt validation requirements of the *****, we are providing an attached copy of your ************************** Contract. We have reported your dispute to the credit reporting agency to which we report and closed our investigation. Should you have any further questions, we would encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:02/20/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have repeatedly called this business to find out about my payment plan and to get a date on when my payments are due. The automated service answers and when I try to reach a representative it hangs up. Every time. Please dont take my word.. look up their number and call this business and try to get someone on the phone to answer a question about my billing. Ive repeatedly called for months without an answer. I still pay my bill when they text and tell me its late but then they have charged a late fee and I still have no answers on when the bill is actually due. Or how much I owe etc. Ive tried to log onto their site but I dont have my account information because no one will answer to give it to me. Please HELP

      Business Response

      Date: 02/28/2025

      We have received your recent BBB complaint dated February 20, 2025.  We genuinely apologize for the challenges you encountered with our automated system while trying to access your account information. Upon reviewing this matter, we found that the email address associated with the contract signed at the dealership does not match the one you provided to the BBB or on the Bill of Sale document. This mismatch is why our attempts to send your account details have not been successful. We completely understand how frustrating this situation must be for you, and we are truly sorry for any stress it has caused. We tried reaching out to you by phone multiple times to discuss the matter, but unfortunately, we were not able to connect. We are here to help and want to make things right. As a courtesy for the inconvenience, we have processed a one-time waiver of the late fees incurred on your account and have sent the necessary account documents to the email that is provided here and on the Bill of Sale. If you would like to contact us to discuss the matter further, we would encourage you to email us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:01/23/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Roadrunner financial was supposed to automatically withdraw payments from my account. When they got ahold of me to say I missed a payment (via voicemail) I went to make the payment and realized they had locked me out of my account. I played phone tag with them for months attempting to make a payment. Each time they called was from a different spoofed number. When I would attempt to call back it would go to an Indian call center that had no idea of what I was talking about. When I returned calls and left messages to the management they never called me back. I had no option to make my payment. They never sent me letters outside of a final letter I received after my motorcycle was repossessed. Roadrunner made it impossible to catch up on my payments. And even at the end when I finally got in touch with them they refused to take the full amount I had owed and claimed me not being able to reach them was a me problem and not a them problem.

      Business Response

      Date: 01/29/2025

      We are in receipt of your Better Business Bureau complaint dated January 23, 2025. We apologize for your negative experience with our company. We investigated the matter fully and could find no wrongdoing on the part of our business. Your particular account was never requested to be set up for autopay, as such we never failed to withdraw a payment.  Otherwise, we have multiple methods by which a customer can make a payment, including online, over the phone, or by mail. Unfortunately, your online access to make payments had been removed due to the status of the account. We reached out to you several times through phone, text, and email in an effort to discuss your account. When we were able to connect with you, you indicated that you were not ready to make a payment. We attempted to follow up with you multiple times, but again, we were unable to connect. Additionally, we only have one call center and it is staffed by our own employees in the **************  We do not maintain a call center in *****, as such we are unable to address this concern.  Should you have any further questions, we would encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:01/07/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Cancelled warranty and gap insurance April 11th 2024. It is now January 4th ************************************************ the amount of $2424.00.

      Business Response

      Date: 01/09/2025

      We are in receipt of your BBB complaint dated January 4, 2025, regarding your account. We apologize for the delay in getting your aftermarket refund to you. We understand how important this matter is to you and as mentioned in our previous communication, the refund was initially sent by the dealership in December, and it has now been mailed to you. Should you have any further questions, we would encourage you to reach out to us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, ****************************

    • Initial Complaint

      Date:11/25/2024

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Im due a refund from this company and they are holding my money. They keep giving me the run around. Its over 900 dollars that they owe to me.

      Business Response

      Date: 11/26/2024

      Dear ****** ******* ****

      We have received your Better Business Bureau complaint dated November 22, 2024, and have investigated the issue regarding your refund.

      Upon a thorough review, we can confirm that you are due an aftermarket refund. We understand the importance of this matter and want to keep you informed. Our representatives have previously spoke with you and indicated that the check is being sent through standard mail, and it may take up to four weeks for it to arrive.  We apologize that there may be a longer than normal waiting period to receive these funds, so we escalated the matter and were able to process the refund as an ACH. You should see your refund in your account on record with us within 1-3 business days. We appreciate your patience during this process.

      If you have any further questions or require additional assistance, please do not hesitate to reach out to us at ******************************************************************** or call us at ************.

      Sincerely,  
      Roadrunner Financial, ****************************

    • Initial Complaint

      Date:11/19/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I purchased a side by side ***. I made all my payments which isnt very many at the time. I notice I start getting text message saying Im delinquent on a payment so I call them because my bank account is showing it out of my account to theirs. I no mistakes happen but 330 is my monthly payment and they want me to pay 660 and Im like know I will not until you find out where that payment went. I agreed for them to put that payment on the back end of the loan and they will not and thats not even fair for me I will still be paying it twice. Im trying to buy a house also and Im sure they are destroying my credit score that will affect me the rest of my life on a 30 year loan. Please help!!!

      Business Response

      Date: 11/22/2024

      We are in receipt of your BBB complaint dated November 14, 2024. We attempted to contact you by phone concerning this matter, but were not able to reach you. We have completed a thorough investigation of the account and dispute. Speedpay, the third party system used for this transaction, experienced a system outage on that day. However, the issue has been resolved and any monies deducted from your account have been returned without being forwarded to us for application to your account. Since we did not receive any funds for this transaction, the payment is still outstanding. We would encourage you to contact us at your earliest convenience so that we can address your concerns and resolve your issue.  Please contact us at ******************************************************************** or call us at ************. Thank you, Roadrunner Financial, Consumer **************

    Roadrunner Financial, Inc. is NOT a BBB Accredited Business.

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