---
title: CFPB complaints — Payday, title & personal loan
product: Payday, title & personal loan
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Payday, title & personal loan

**100,180** complaints (0.6% of all CFPB complaints), across **2,298** companies. Companies gave a timely response **95.2%** of the time.

**How to read this:** complaint volume tracks how many people use a product 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). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 4 raw CFPB product labels: Consumer Loan; Payday loan; Payday loan, title loan, or personal loan; Payday loan, title loan, personal loan, or advance loan.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| 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 (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely 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% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/payday-title-personal-loan.jsonld`