Who is complaining aboutPayday loan, title loan, personal loan, or advance loan?
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.
The CFPB received 17,689 complaints in the product category “Payday loan, title loan, personal loan, or advance loan” in the 12 months to 30 Sep 2026, up 50% on the 11,763 of the 12 months before. That is 0.3% of all complaints in the period and about 5.20 per 100,000 US residents.
406 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Charged fees or interest you didn't expect” (23.2%).
Company responses in the category: 89.7% closed with an explanation, 2.6% closed with non-monetary relief, 2.8% closed with monetary relief, and 3.1% still in progress when the file was published. 94.5% were timely.
Tables below list companies by complaint count with their size beside them. Larger companies serve more customers and can be expected to receive more complaints; the per-size table covers only companies with a public asset figure.
Companies with the most complaints, with their size
Ordered by complaint count in the last 12 months. The size column is the public measure this site could match to the company; the last column divides the count by bank or credit union assets where one exists.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| Affirm Holdings, Inc | 1,951 | 11% | no public measure | — |
| Paramount GR Holdings, LLC | 765 | 4.3% | no public measure | — |
| OneMain Finance Corporation | 743 | 4.2% | no public measure | — |
| Klarna AB | 567 | 3.2% | no public measure | — |
| ENOVA INTERNATIONAL, INC. | 402 | 2.3% | no public measure | — |
| CCF Intermediate Holdings LLC | 381 | 2.2% | no public measure | — |
| Block, Inc. | 371 | 2.1% | no public measure | — |
| UPGRADE, INC. | 274 | 1.5% | no public measure | — |
| Upstart Holdings, Inc. | 255 | 1.4% | no public measure | — |
| SOFI TECHNOLOGIES, INC. | 252 | 1.4% | $57bn assets | 4.43 |
| TRUIST FINANCIAL CORPORATION | 244 | 1.4% | $548bn assets | 0.44 |
| SYNCHRONY FINANCIAL | 230 | 1.3% | $115bn assets | 2.00 |
| MoneyLion Inc. | 226 | 1.3% | no public measure | — |
| Uprova Credit, LLC | 223 | 1.3% | no public measure | — |
| Rosebud Economic Development Corporation | 222 | 1.3% | no public measure | — |
| Solar Mosaic LLC | 222 | 1.3% | no public measure | — |
| ACIMA CREDIT, LLC | 211 | 1.2% | no public measure | — |
| Opportunity Financial, LLC | 186 | 1.1% | no public measure | — |
| Dave Operating, LLC | 185 | 1% | no public measure | — |
| WLCC | 168 | 0.9% | no public measure | — |
| Sezzle Inc. | 162 | 0.9% | no public measure | — |
| Zip Co US Inc. | 152 | 0.9% | no public measure | — |
| Paypal Holdings, Inc | 148 | 0.8% | no public measure | — |
| FIFTH THIRD FINANCIAL CORPORATION | 142 | 0.8% | $299bn assets | 0.47 |
| MARINER FINANCE, LLC | 138 | 0.8% | no public measure | — |
| CHERRY TECHNOLOGIES INC. | 137 | 0.8% | no public measure | — |
| SOLAR SERVICING HOLDINGS LLC | 131 | 0.7% | no public measure | — |
| Wolf River Development Company | 131 | 0.7% | no public measure | — |
| Harpeth Financial Services, LLC | 129 | 0.7% | no public measure | — |
| Westlake Services, LLC | 129 | 0.7% | no public measure | — |
| All other companies, including those not listed by name | 8,212 | 46.4% | — | — |
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. 4 of the 30 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.
Complaints and size, for companies with a public asset figure
Banks, bank holding companies and credit unions with at least $10 billion in assets and at least 50 complaints in this category in 12 months, ordered by complaint count; the last column divides the count by assets. Assets measure the whole institution, not its payday loan, title loan, personal loan, or advance loan business, so a lender that specialises in this product will show a higher figure than a diversified one of the same quality, and the figures are not a ranking.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| SOFI TECHNOLOGIES, INC. | 252 | 1.4% | $57bn assets | 4.43 |
| TRUIST FINANCIAL CORPORATION | 244 | 1.4% | $548bn assets | 0.44 |
| SYNCHRONY FINANCIAL | 230 | 1.3% | $115bn assets | 2.00 |
| FIFTH THIRD FINANCIAL CORPORATION | 142 | 0.8% | $299bn assets | 0.47 |
| WELLS FARGO & COMPANY | 123 | 0.7% | $1.92tn assets | 0.06 |
| Bread Financial Holdings, Inc. | 106 | 0.6% | $21bn assets | 4.99 |
| NAVY FEDERAL CREDIT UNION | 96 | 0.5% | $204bn assets | 0.47 |
| CITIBANK, N.A. | 80 | 0.5% | $1.98tn assets | 0.04 |
| REGIONS FINANCIAL CORPORATION | 73 | 0.4% | $160bn assets | 0.46 |
| SANTANDER HOLDINGS USA, INC. | 58 | 0.3% | $104bn assets | 0.56 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 55 | 0.3% | $2.65tn assets | 0.02 |
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. 11 of the 11 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.
Issues
- Charged fees or interest you didn't expect4,102 · 23.2%
- Problem when making payments2,885 · 16.3%
- Struggling to pay your loan1,825 · 10.3%
- Getting the loan1,754 · 9.9%
- Problem with additional add-on products or services1,522 · 8.6%
- All other categories5,601 · 31.7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 4,102 | 23.2% |
| Problem when making payments | 2,885 | 16.3% |
| Struggling to pay your loan | 1,825 | 10.3% |
| Getting the loan | 1,754 | 9.9% |
| Problem with additional add-on products or services | 1,522 | 8.6% |
| Problem with the payoff process at the end of the loan | 1,292 | 7.3% |
| Incorrect information on your report | 1,115 | 6.3% |
| Problem with a company's investigation into an existing problem | 443 | 2.5% |
| Getting a line of credit | 380 | 2.1% |
| Can't stop withdrawals from your bank account | 323 | 1.8% |
| Can't contact lender or servicer | 239 | 1.4% |
| Received a loan you didn't apply for | 231 | 1.3% |
| Issues with repayment | 186 | 1.1% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 164 | 0.9% |
| Vehicle was repossessed or sold the vehicle | 153 | 0.9% |
| Other CFPB issue categories | 1,075 | 6.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Installment loan | 10,932 | 61.8% |
| Payday loan | 2,656 | 15% |
| Personal line of credit | 2,532 | 14.3% |
| Title loan | 939 | 5.3% |
| Other advances of future income | 325 | 1.8% |
| Earned wage access | 216 | 1.2% |
| Pawn loan | 55 | 0.3% |
| Tax refund anticipation loan or check | 34 | 0.2% |
How companies responded
- Closed with explanation15,865 · 89.7%
- In progress543 · 3.1%
- Closed with monetary relief500 · 2.8%
- Closed with non-monetary relief462 · 2.6%
- All other categories319 · 1.8%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 5.6% | 31.6% |
| Closed with monetary relief | 2.9% | 0.5% |
| Responses marked timely | 94.5% | 99.6% |
| Complaints tagged servicemember | 11.8% | 1.5% |
| Complaints tagged older American | 7.1% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| Florida | 1,920 | 8.20 |
| Delaware | 84 | 7.90 |
| Nevada | 250 | 7.60 |
| Georgia | 853 | 7.50 |
| Louisiana | 326 | 7.10 |
| South Carolina | 382 | 6.90 |
| District of Columbia | 48 | 6.90 |
| Texas | 2,136 | 6.70 |
| Mississippi | 182 | 6.20 |
| Arizona | 472 | 6.20 |
| Maryland | 365 | 5.80 |
| Tennessee | 407 | 5.60 |
| Virginia | 486 | 5.50 |
| California | 2,120 | 5.40 |
| New Jersey | 516 | 5.40 |
The 15 states with the highest rate; national rate 5.20. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Payday loan, title loan, personal loan, or advance loan complaints does the CFPB receive?
17,689 in the 12 months to 30 Sep 2026, against 11,763 in the 12 months before, and 38,559 since 2023.
Which companies receive the most complaints in this category?
By count, Affirm Holdings, Inc (1,951), Paramount GR Holdings, LLC (765), OneMain Finance Corporation (743) in the last 12 months. Counts follow company size: “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.”
What are the complaints about?
The issues selected most often: “Charged fees or interest you didn't expect” (23.2%), “Problem when making payments” (16.3%), “Struggling to pay your loan” (10.3%), “Getting the loan” (9.9%).
How do companies respond?
Across the category: 89.7% closed with an explanation, 2.6% closed with non-monetary relief, 2.8% closed with monetary relief, and 3.1% still in progress when the file was published. 94.5% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside it.
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.