Total complaints
19
Filed since 2018
2026 data Public-data reference. official source
BAY COUNTRYCONSUMER FINANCE,INC.
19 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
19 consumer complaints filed with the CFPB
This profile shows BAY COUNTRYCONSUMER FINANCE,INC.'s complaint history from CFPB public records. 19 consumers have filed complaints since 2018. The company has a 100% timely response rate and has provided relief in 5.3% of cases.
19
Total Complaints
100%
Timely Response
0%
Disputed
5.3%
Relief Provided
1
States Active
2018
Since
Timely response
100%
CFPB-tracked response window
Relief rate
5.3%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 5.3%
Industry median
Share closed with monetary or non-monetary relief.
BAY COUNTRYCONSUMER FINANCE,INC. complaint mix by product
- Payday loan, 6 31.6% – 17% relief
- Payday loan, 5 26.3% – 0% relief
- Credit reporting 4 21.1% – 0% relief
- Credit reporting, 2 10.5% – 0% relief
- Mortgage 1 5.3% – 0% relief
- Debt collection 1 5.3% – 0% relief
How BAY COUNTRYCONSUMER FINANCE,INC.'s 19 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 6 |
| Payday loan, title loan, personal loan, or advance loan | 5 |
| Credit reporting or other personal consumer reports | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Mortgage | 1 |
| Debt collection | 1 |
Top States
| State | Complaints |
|---|---|
| MD | 19 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 4 |
| Improper use of your report | 4 |
| Loan payment wasn't credited to your account | 3 |
| Problem with the payoff process at the end of the loan | 2 |
| Charged fees or interest you didn't expect | 2 |
| Trouble during payment process | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Communication tactics | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 100% |
| 2019 | 1 | 100% |
| 2020 | 2 | 100% |
| 2021 | 3 | 100% |
| 2023 | 4 | 100% |
| 2024 | 4 | 100% |
| 2025 | 2 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About BAY COUNTRYCONSUMER FINANCE,INC.
BAY COUNTRYCONSUMER FINANCE,INC. has accumulated 19 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 11 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2018, and the most recent logged activity is 2026-04-03, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, BAY COUNTRYCONSUMER FINANCE,INC. reports a 100% timely-response rate and has closed 94.7% of cases with a written explanation to the consumer. 5.3% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Payday loan, title loan, or personal loan", and the single most common underlying issue is "Struggling to pay your loan".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating BAY COUNTRYCONSUMER FINANCE,INC.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does BAY COUNTRYCONSUMER FINANCE,INC. have?
BAY COUNTRYCONSUMER FINANCE,INC. has received 19 consumer complaints filed with the Consumer Financial Protection Bureau.
Does BAY COUNTRYCONSUMER FINANCE,INC. respond to complaints on time?
BAY COUNTRYCONSUMER FINANCE,INC. has a 100% timely response rate to CFPB complaints.
What is the most common complaint about BAY COUNTRYCONSUMER FINANCE,INC.?
The most common issue reported against BAY COUNTRYCONSUMER FINANCE,INC. is "Struggling to pay your loan" in the "Payday loan, title loan, or personal loan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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