No class action lawsuit against Clicklease has been filed as of mid-2026. A few individual cases have reached court, one state regulator has taken action, and the Better Business Bureau has logged well over a hundred complaints in three years, but nothing has coalesced into class litigation. Some consumers have publicly floated the idea, citing what they describe as misleading lease terms and inflated total costs, without organized follow-through.
Individual Lawsuits on the Record
The most visible case was Henderson v. ClickLease, LLC, filed December 14, 2020 in the U.S. District Court for the Southern District of Texas. Xavier D. Henderson brought claims under the Telephone Consumer Protection Act. Chief Judge Lee H. Rosenthal dismissed the claims without prejudice on February 8, 2021, with each party bearing its own costs.1CourtListener. Henderson v. ClickLease, LLC Clicklease later moved to modify the dismissal, and the docket went quiet after April 21, 2021. A dismissal without prejudice leaves the door open to refiling, but there is no public record that Henderson did.
In July 2024, Daphne and Benjamin Boyd filed an adversary proceeding against Clicklease in the U.S. Bankruptcy Court for the Western District of Texas, seeking a declaratory judgment and recovery of money or property. The case ended quickly. The Boyds filed a stipulation of dismissal on August 14, 2024, and the court dismissed with prejudice six days later.2PACER Monitor. Boyd et al v. Clicklease LLC
Neither case was pled as a class action. Both closed without a ruling on the merits.
California Regulatory Action
Separately, the California Department of Financial Protection and Innovation issued a revocation order against Clicklease on April 3, 2019, under case number 60DBO-86048.3California DFPI. Clicklease LLC Enforcement Action The DFPI listing does not spell out the specific grounds. It signals that Clicklease ran into California licensing problems early in its expansion. The enforcement page was last updated in September 2024.
What Consumers Are Actually Complaining About
The Better Business Bureau has logged 145 complaints against Clicklease in the three years ending mid-2026, with 50 of those in the most recent 12 months.4BBB. Clicklease LLC Complaints Clicklease still holds an A+ BBB rating and has been accredited since March 2019.5BBB. Clicklease LLC BBB Profile Of the 145 complaints, 130 were marked “Answered” (Clicklease responded but the consumer did not accept or confirm resolution); only 15 were marked “Resolved.”
Several themes come up repeatedly:
- Consumers say they thought they were signing a loan or standard financing agreement and later found out they had entered a non-cancellable equipment lease. Some report that sales representatives avoided the word “interest” and did not clearly explain the total cost.
- Total repayment amounts often run far above the equipment’s purchase price. One consumer reported paying more than $9,000 for equipment that cost $3,800; another said they owed more than $15,000 on a $7,379 lease.6BBB. Clicklease LLC Complaints
- Early payoff figures have come in much higher than consumers expected, and getting a clear breakdown of how those figures are calculated can take days.7BBB. Clicklease LLC Complaints
- Multiple complaints allege that Clicklease continued to withdraw payments after a lease was paid off, or debited accounts before scheduled dates.
- Consumers report difficulty obtaining copies of original contracts, payoff letters, and titles or registrations for financed equipment, along with long waits for customer service.
In its responses, Clicklease typically points customers to the language of the signed lease and says it is acting within its contractual rights. At least one BBB complainant, writing in February 2025, said they would “explore legal action” if their complaint went unanswered.7BBB. Clicklease LLC Complaints Scattered dissatisfaction has not, so far, produced a coordinated filing.
Why the Lease Structure Drives the Disputes
Most of the complaints trace back to how Clicklease structures its product. The company characterizes its agreements as leases rather than loans and says it does not charge interest in the traditional sense. According to its FAQ, a set surcharge is calculated at the start of the lease and spread across the monthly payments, which the company says avoids compounding.8Clicklease. FAQ Clicklease compares its total cost to what someone might pay using “an expensive credit card.”
Terms run 24 to 60 months. Every lease includes a purchase option, which typically requires three additional monthly payments at the end of the term to own the equipment outright. A documentation fee between $79 and $499 is charged at signing, which Clicklease describes as an underwriting tool rather than a contribution to the lease balance.8Clicklease. FAQ Approvals rely on a proprietary algorithm that does not use FICO scores, which makes the product available to borrowers who would not qualify for a bank loan.9Clicklease. Clicklease Raises $63 Million in Series A Funding
The lease-versus-loan distinction is not just wording. Leases are governed by different consumer protection rules in many states than installment loans, which affects what disclosures are required and what remedies apply. Consumers who sign without working through the total of all payments and the buyout terms are the ones most likely to feel blindsided when the numbers add up. Total repayment on a Clicklease agreement can reportedly reach 50% or more above the equipment’s original price.6BBB. Clicklease LLC Complaints
If you believe you were misled about a Clicklease agreement, request a full copy of the signed contract and a written payoff quote, document any communications with sales or customer service, and consider filing a complaint with the BBB and with your state’s financial regulator. Individual claims and small-scale disputes remain the primary avenue for consumers with grievances against Clicklease today.