Who is complaining aboutPayday 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.
“Payday loan” is a product label the CFPB no longer uses for new complaints. The database holds 5,528 complaints under it, received between 6 Nov 2013 and 21 Apr 2017; later complaints of this kind are filed under a newer label.
The figures on this page cover every year the label was in use. Company responses: 83.8% closed with an explanation, 3.9% closed with non-monetary relief, 4.9% closed with monetary relief.
Companies with the most complaints, with their size
Ordered by complaint count since 2011. The size column is the public measure this site could match to the company.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| Big Picture Loans, LLC | 487 | 8.8% | no public measure |
| ENOVA INTERNATIONAL, INC. | 444 | 8% | no public measure |
| Delbert Services | 369 | 6.7% | no public measure |
| Populus Financial Group, Inc. (F/K/A Ace Cash Express) | 326 | 5.9% | no public measure |
| CURO Intermediate Holdings | 302 | 5.5% | no public measure |
| CNG FINANCIAL CORPORATION | 287 | 5.2% | no public measure |
| CASHCALL, INC. | 278 | 5% | no public measure |
| COMMUNITY CHOICE FINANCIAL, INC. | 248 | 4.5% | no public measure |
| Mobiloans, LLC | 154 | 2.8% | no public measure |
| Advance America, Cash Advance Centers, Inc. | 146 | 2.6% | no public measure |
| Ningo Lending LLC dba Spotloan | 133 | 2.4% | no public measure |
| GVA Holdings, LLC | 113 | 2% | no public measure |
| MNE Services, Inc | 105 | 1.9% | no public measure |
| CHECK INTO CASH INC. | 82 | 1.5% | no public measure |
| Risecredit, LLC | 74 | 1.3% | no public measure |
| LDF Holdings, LLC | 67 | 1.2% | no public measure |
| Cottonwood Financial Ltd. | 65 | 1.2% | no public measure |
| EZCORP, INC. | 59 | 1.1% | no public measure |
| Ad Astra Recovery Services Inc | 56 | 1% | no public measure |
| SYNCHRONY FINANCIAL | 42 | 0.8% | $115bn assets |
| WLCC | 39 | 0.7% | no public measure |
| Midwest Recovery Systems | 35 | 0.6% | no public measure |
| Rosebud Economic Development Corporation | 35 | 0.6% | no public measure |
| CASH AMERICA INTERNATIONAL, INC. | 34 | 0.6% | no public measure |
| ZARVAD III S.A. | 34 | 0.6% | no public measure |
| Bliksum, LLC | 34 | 0.6% | no public measure |
| Harpeth Financial Services, LLC | 32 | 0.6% | no public measure |
| POPULAR BANK | 31 | 0.6% | $15bn assets |
| National Credit Adjusters, LLC | 26 | 0.5% | no public measure |
| Enhanced Acquisitions, LLC | 24 | 0.4% | no public measure |
| All other companies, including those not listed by name | 1,367 | 24.7% | — |
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 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.
Issues
- Charged fees or interest I didn't expect2,458 · 44.5%
- Can't contact lender1,010 · 18.3%
- Received a loan I didn't apply for590 · 10.7%
- Can't stop charges to bank account497 · 9%
- Payment to acct not credited381 · 6.9%
- All other categories592 · 10.7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Charged fees or interest I didn't expect | 2,458 | 44.5% |
| Can't contact lender | 1,010 | 18.3% |
| Received a loan I didn't apply for | 590 | 10.7% |
| Can't stop charges to bank account | 497 | 9% |
| Payment to acct not credited | 381 | 6.9% |
| Applied for loan/did not receive money | 306 | 5.5% |
| Charged bank acct wrong day or amt | 286 | 5.2% |
How companies responded
- Closed with explanation4,630 · 83.8%
- Closed with monetary relief272 · 4.9%
- Untimely response217 · 3.9%
- Closed with non-monetary relief213 · 3.9%
- All other categories196 · 3.5%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 8.8% | 31.5% |
| Closed with monetary relief | 4.9% | 0.5% |
| Responses marked timely | 89.4% | 99.6% |
National trend
Questions and answers
How many Payday loan complaints does the CFPB receive?
5,528 were filed under this label between 6 Nov 2013 and 21 Apr 2017. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, Big Picture Loans, LLC (487), ENOVA INTERNATIONAL, INC. (444), Delbert Services (369) across all years. 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 I didn't expect” (44.5%), “Can't contact lender” (18.3%), “Received a loan I didn't apply for” (10.7%), “Can't stop charges to bank account” (9%).
How do companies respond?
Across the category: 83.8% closed with an explanation, 3.9% closed with non-monetary relief, 4.9% closed with monetary relief. 89.4% 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 1 Oct 2026, complaints received through 1 Oct 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.