Issues › Payday loan, title loan, personal loan, or advance loan
Who is complaining aboutGetting a line of credit?
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.
Consumers chose the issue “Getting a line of credit” on 380 complaints in the 12 months to 30 Sep 2026, about level with the 414 of the 12 months before. That is 0% of all complaints received.
100% of them were filed under the product “Payday loan, title loan, personal loan, or advance loan”, where the issue makes up 2.1% of that product's complaints.
Company responses on this issue: 92.9% closed with an explanation, 1.3% closed with non-monetary relief, 1.1% closed with monetary relief, and 2.6% still in progress when the file was published. 95.3% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 380 | 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 |
|---|---|---|---|---|
| OneMain Finance Corporation | 26 | 6.8% | no public measure | — |
| ENOVA INTERNATIONAL, INC. | 20 | 5.3% | no public measure | — |
| Upstart Holdings, Inc. | 11 | 2.9% | no public measure | — |
| SOFI TECHNOLOGIES, INC. | 11 | 2.9% | $57bn assets | 0.19 |
| Prosper Marketplace, Inc. | 10 | 2.6% | no public measure | — |
| WELLS FARGO & COMPANY | 10 | 2.6% | $1.92tn assets | 0.01 |
| Affirm Holdings, Inc | 9 | 2.4% | no public measure | — |
| CITIBANK, N.A. | 9 | 2.4% | $1.98tn assets | 0.00 |
| NAVY FEDERAL CREDIT UNION | 9 | 2.4% | $204bn assets | 0.04 |
| CAPITAL ONE FINANCIAL CORPORATION | 8 | 2.1% | $662bn assets | 0.01 |
| JPMORGAN CHASE & CO. | 8 | 2.1% | $4.09tn assets | 0.00 |
| PNC Bank N.A. | 8 | 2.1% | $610bn assets | 0.01 |
| MoneyLion Inc. | 8 | 2.1% | no public measure | — |
| U.S. BANCORP | 7 | 1.8% | $706bn assets | 0.01 |
| Flexible Finance, Inc. | 7 | 1.8% | no public measure | — |
| TRUIST FINANCIAL CORPORATION | 5 | 1.3% | $548bn assets | 0.01 |
| Kikoff Inc. | 5 | 1.3% | no public measure | — |
| Experian Information Solutions Inc. | 5 | 1.3% | no public measure | — |
| 2288984 Ontario Inc. | 5 | 1.3% | no public measure | — |
| Rosebud Economic Development Corporation | 5 | 1.3% | no public measure | — |
| SYNCHRONY FINANCIAL | 4 | 1.1% | $115bn assets | 0.03 |
| KEYCORP | 4 | 1.1% | $189bn assets | 0.02 |
| AMERICAN EXPRESS COMPANY | 4 | 1.1% | $214bn assets | 0.02 |
| Paramount GR Holdings, LLC | 4 | 1.1% | no public measure | — |
| Credit Fresh Holdings Inc | 4 | 1.1% | no public measure | — |
| All other companies, including those not listed by name | 174 | 45.8% | — | — |
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. 12 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 explanation353 · 92.9%
- In progress10 · 2.6%
- Untimely response8 · 2.1%
- Closed with non-monetary relief5 · 1.3%
- All other categories4 · 1.1%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 2.4% | 31.6% |
| Closed with monetary relief | 1.1% | 0.5% |
| Responses marked timely | 95.3% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Getting a line of credit” 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?
380 in the 12 months to 30 Sep 2026 and 3,137 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.