How to Submit a Complaint Against Payday Lender & What is The Most Common Complaints Issues.

Submit a Complaint

1. File a complaint to CFPB

It is legal and fastest option. Lenders are obliged to submit responses in every complaint received via CFPB portal.

2. File a complaint to your local Regulator

Another popular option is to submit your complaint directly to you local regulator. Below you can find list of states and regulators as well as their phone numbers and link to their websites. Following the corresponding link you can find complaint form and guides from regulator how to full-fill and submit it. Before you go you can review your state’s payday loan law.

State LawRegulatorPhone
AlabamaAlabama State Banking Department334-242-3452
AlaskaAlaska Division of Banking and Securities907-269-8140
ArizonaArizona Department of Financial Institutions602-771-2800
ArkansasArkansas Attorney General501-682-2007
CaliforniaCalifornia Department of Business Oversight916-327-7585
ColoradoColorado Office of the Attorney General720-508-6000
ConnecticutConnecticut Department of Banking860-240-8299
DelawareDelaware Office of the State Bank Commissioner302-739-4235
D.C.D.C. Department of Insurance, Securities and Banking202-727-8000
FloridaFlorida Office of Financial Regulation850-487-9687
GeorgiaGeorgia Industrial Loan Division404-656-2078
HawaiiHawaii Department of Commerce and Consumer Affairs808-587-3222
IdahoIdaho Department of Finance208-332-8000
IllinoisIllinois Division of Financial Institutions888-473-4858
IndianaIndiana Department of Financial Institutions800-382-4880
IowaIowa Division of Banking515-281-4014
KansasKansas Office of the State Bank Commissioner785-296-2266
KentuckyKentucky Office of Financial Institutions502-573-3390
LouisianaLouisiana Office of Financial Institutions225-925-4660
MaineMaine Bureau of Consumer Credit Protection800-332-8529
MarylandMaryland Commissioner of Financial Regulation410-230-6100
MassachusettsMassachusetts Division of Banks617-956-1500
MichiganDepartment of Insurance and Financial Services517-284-8800
MinnesotaMinnesota Department of Commerce651-539-1600
MississippiMississippi Department of Banking and Consumer Finance601-321-6901
MissouriMissouri Division of Finance573-751-3242
MontanaDivision of Banking and Financial Institutions406-841-2920
NebraskaNebraska Department of Banking & Finance402-471-2171
NevadaNevada Financial Institutions Division702-486-4120
New HampshireNew Hampshire State Banking Department603-271-3561
New JerseyNew Jersey Department of Banking and Insurance609-292-7272
New MexicoNew Mexico Financial Institutions Division505-476-4885
New YorkNew York State Department of Financial Services800-342-3736
North CarolinaNorth Carolina Attorney General919-716-6400
North DakotaNorth Dakota Department of Financial Institutions701-328-9933
OhioOhio Division of Financial Institutions614-728-8400
OklahomaOklahoma Department of Consumer Credit405-521-3653
OregonOregon Department of Consumer & Business Services503-378-4100
PennsylvaniaPennsylvania Department of Banking717-787-1854
Rhode IslandRhode Island Department of Business Regulation401-462-9500
South CarolinaSouth Carolina State Board of Financial Institutions803-734-2020
South DakotaSouth Dakota Division of Banking605-773-3421
TennesseeTennessee Department of Financial Institutions615-741-2236
TexasTexas Office of Consumer Credit Commissioner512-936-7600
UtahUtah Department of Financial Institutions801-538-8830
VermontVermont Banking Division802-828-3301
VirginiaVirginia Bureau of Financial Institutions804-371-9967
WashingtonWashington Department of Financial Institutions360-902-8700
West VirginiaOffice of West Virginia Attorney General (see also Consumer Protection Division)304-558-8986
WisconsinWisconsin Department of Financial Institutions608-264-7969
WyomingWyoming Division of Banking608-264-7969
Updated: May 2020

Consumer Complaint Database

We analyzed Consumer Complaint Database provided by ConsumerFinance.gov but only those part which is directly connects to payday loans. Totally we analyzed about 22,000 complaints since 2013.

Companies with most complaints

Simple list of top 30 companies ( ordered by complaints count ) with numbers of complaints ( in brackets ) consumers submitted.

  • ENOVA INTERNATIONAL, INC. ( 1119 )
  • ACE CASH EXPRESS, INC. ( 1084 )
  • CURO Intermediate Holdings ( 1012 )
  • CNG FINANCIAL CORPORATION ( 979 )
  • Ad Astra Recovery Services Inc ( 891 )
  • Big Picture Loans, LLC ( 832 )
  • COMMUNITY CHOICE FINANCIAL, INC. ( 761 )
  • Delbert Services ( 643 )
  • CASHCALL, INC. ( 559 )
  • Advance America, Cash Advance Centers, Inc. ( 501 )
  • National Credit Adjusters, LLC ( 451 )
  • Midwest Recovery Systems ( 449 )
  • BlueChip Financial ( 402 )
  • LDF Holdings, LLC ( 333 )
  • CHECK INTO CASH INC. ( 308 )
  • Mobiloans, LLC ( 281 )
  • GVA Holdings, LLC ( 281 )
  • MNE Services, Inc ( 239 )
  • Cottonwood Financial Ltd. ( 239 )
  • Risecredit, LLC ( 186 )
  • Rosebud Economic Development Corporation ( 150 )
  • EZCORP, INC. ( 147 )
  • Bliksum, LLC ( 132 )
  • WLCC ( 131 )
  • SECURITY FINANCE CORP ( 127 )
  • ZARVAD III S.A. ( 123 )
  • Tribal Lending Enterprise, Inc. ( 119 )
  • Solidus Group LLC. ( 116 )
  • Harpeth Financial Services, LLC ( 115 )
  • Enhanced Acquisitions, LLC ( 114 )

List of complaints issues

Here we got a list of issues ( ordered by complaints count ) with number of complaints ( in brackets ) consumers use when submit their complaints.

  • Hidden charges ( 3608 )
  • Methods of communication ( 3051 )
  • Continued attempts to retrieve non-existent debts ( 1666 )
  • Threatening to Sue ( 1494 )
  • Attempts to collect non-existent debts ( 1202 )
  • Misinformation and misrepresentation ( 1126 )
  • Unreachable lender ( 1016 )
  • Difficulty paying your loan ( 1008 )
  • Threatened to sue or take matters into own hands ( 972 )
  • Unauthorized contact ( 947 )
  • Disclosure confirmation of debt ( 623 )
  • Loan disbursed in error ( 592 )
  • Documentation notice of debt ( 537 )
  • Unable to halt bank charges ( 498 )
  • Threatened to disseminate information improperly ( 413 )
  • Account not credited with payment ( 382 )
  • Loan not disbursed after application ( 307 )
  • Got loan not applied for ( 295 )
  • Wrongful charge of bank account ( 287 )
  • Issue with payoff upon loan completion ( 276 )
  • Unable to halt withdrawals from bank account ( 248 )
  • Lender not reachable ( 247 )
  • Money deducted from account in error or deducted on the worn date ( 169 )
  • Failure to credit account with loan amount ( 159 )
  • Wrong information on report ( 133 )
  • Loan approved, but funds not disbursed ( 117 )
  • Wrong use of report ( 42 )
  • Issue with credit rating company methodology to solve an already existing problem ( 33 )
  • Credit monitoring or identity theft solutions ( 9 )
  • Inaccessible credit report and credit score ( 5 )
  • Issue with fraud notices and security protocols ( 1 )