CFPB complaints · by product

Payday, title & personal loan

What consumers complain about with this financial product — and how often companies respond on time.

100,180

CFPB complaints filed · 0.6% of all

2,298

companies complained about

95.2%

timely response

Read the volume carefully. How many complaints a product draws tracks how many people use it and how large its companies are — not how "bad" it is. (Credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult and disputes are the #1 category.) The fair signal here is the timely-response rate — how reliably companies answer — which, unlike raw volume, isn't a function of size.

What goes wrong

The CFPB issue categories these complaints concern most.

Managing the loan or lease 15,257

Charged fees or interest you didn't expect 15,151

Problem when making payments 8,221

Struggling to pay your loan 7,795

Problems when you are unable to pay 7,673

Problem with the payoff process at the end of the loan 5,430

Companies most complained about for this product

Highest complaint volume (context — it tracks size and market share, not a ranking of who's worst), shown next to each company's timely-response rate, the comparable signal.

CompanyComplaintsTimely response

WELLS FARGO & COMPANY 3,839 88.6%

Affirm Holdings, Inc 3,154 99.9%

OneMain Finance Corporation 2,894 100.0%

Santander Consumer USA Holdings Inc. 2,661 99.9%

ENOVA INTERNATIONAL, INC. 2,560 99.9%

ALLY FINANCIAL INC. 2,317 100.0%

SYNCHRONY FINANCIAL 1,898 99.6%

CAPITAL ONE FINANCIAL CORPORATION 1,491 99.6%

JPMORGAN CHASE & CO. 1,365 99.8%

CITIBANK, N.A. 1,213 99.3%

ONEMAIN FINANCIAL HOLDINGS, LLC. 1,211 99.8%

CCF Intermediate Holdings LLC 1,203 99.9%

BANK OF AMERICA, NATIONAL ASSOCIATION 1,163 98.1%

Big Picture Loans, LLC 1,140 95.0%

NAVY FEDERAL CREDIT UNION 1,077 100.0%

Most companies respond on time, so this rate matters most where it is notably lower. A low rate means a company more often failed to answer within CFPB's window — it does not measure whether consumers were satisfied. And every count here is an unverified consumer allegation, not proven wrongdoing.

What these figures mean

RECORDED — the complaint count, issue breakdown, and timely-response rate are CFPB records of complaints consumers filed.
MODELED — "Payday, title & personal loan" merges 4 CFPB product labels (Consumer Loan; Payday loan; Payday loan, title loan, or personal loan; Payday loan, title loan, personal loan, or advance loan) into one category so the same product isn't split across CFPB's legacy labels. The counts are unchanged.
CONTEXT — volume is not a ranking (it tracks reach and size, with no denominator); timely-response measures answering within CFPB's window, not consumer satisfaction.

Also available: structured data (JSON-LD) · plain text

What this is — and is not

A CFPB complaint is an unverified consumer allegation — not a finding, not proven wrongdoing, and not a verdict by the CFPB or anyone else. This is not a ranking of which product or company is "worst," and not advice about a product or company. Read the actual complaints and how they were handled — and file your own — at the CFPB Consumer Complaint Database.