Issues › Payday loan, title loan, personal loan, or advance loan
Who is complaining aboutCharged fees or interest you didn't expect?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
4,102 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Charged fees or interest you didn't expect”, up 35% on the 3,032 of the 12 months before; 16,571 since 2017.
100% of them were filed under the product “Payday loan, title loan, personal loan, or advance loan”, where the issue makes up 23.2% of that product's complaints.
Company responses on this issue: 90.8% closed with an explanation, 1.6% closed with non-monetary relief, 3.4% closed with monetary relief, and 2% still in progress when the file was published. 92.5% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 4,102 | 100% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Affirm Holdings, Inc | 234 | 5.7% | no public measure | — |
| Paramount GR Holdings, LLC | 171 | 4.2% | no public measure | — |
| ENOVA INTERNATIONAL, INC. | 170 | 4.1% | no public measure | — |
| Uprova Credit, LLC | 134 | 3.3% | no public measure | — |
| Rosebud Economic Development Corporation | 132 | 3.2% | no public measure | — |
| OneMain Finance Corporation | 130 | 3.2% | no public measure | — |
| SYNCHRONY FINANCIAL | 82 | 2% | $115bn assets | 0.71 |
| CCF Intermediate Holdings LLC | 79 | 1.9% | no public measure | — |
| Wolf River Development Company | 76 | 1.9% | no public measure | — |
| Credit Fresh Holdings Inc | 76 | 1.9% | no public measure | — |
| ACIMA CREDIT, LLC | 76 | 1.9% | no public measure | — |
| Opportunity Financial, LLC | 75 | 1.8% | no public measure | — |
| Klarna AB | 71 | 1.7% | no public measure | — |
| WLCC | 70 | 1.7% | no public measure | — |
| Ningo Lending LLC dba Spotloan | 60 | 1.5% | no public measure | — |
| Benht: Economic Development Corporation | 58 | 1.4% | no public measure | — |
| Crow Creek Sioux Tribe | 54 | 1.3% | no public measure | — |
| GVA Holdings, LLC | 48 | 1.2% | no public measure | — |
| LDF Holdings, LLC | 48 | 1.2% | no public measure | — |
| TRUIST FINANCIAL CORPORATION | 47 | 1.1% | $548bn assets | 0.09 |
| Sezzle Inc. | 45 | 1.1% | no public measure | — |
| UPGRADE, INC. | 43 | 1% | no public measure | — |
| Block, Inc. | 43 | 1% | no public measure | — |
| Minto Financial dba Minto Money | 41 | 1% | no public measure | — |
| Solar Mosaic LLC | 39 | 1% | no public measure | — |
| All other companies, including those not listed by name | 2,000 | 48.8% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 2 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation3,725 · 90.8%
- Closed with monetary relief140 · 3.4%
- Untimely response91 · 2.2%
- In progress82 · 2%
- All other categories64 · 1.6%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 5.1% | 31.6% |
| Closed with monetary relief | 3.5% | 0.5% |
| Responses marked timely | 92.5% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Charged fees or interest you didn't expect” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau.
How many complaints carry this issue?
4,102 in the 12 months to 30 Sep 2026 and 16,571 since 2017.
Which products does it apply to?
“Payday loan, title loan, personal loan, or advance loan” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.