CFPB · Diversified product mix
Bay Countryconsumer Finance,Inc.
25 CFPB complaints · diversified mix (top product 32%) · top issue Struggling to pay your loan.
Bay Countryconsumer Finance,Inc.: top product "Payday loan, title loan, personal loan, or advance loan" is only 32% of 25 - multi-bucket mix. Timely 100% · relief 4%. Allegations, not findings.
- Diversified product mix
- -33.3% filings 2018 to 2026
CFPB relief outcome brief
CCDB company bay-countryconsumer-finance-inc
4% relief · 100% timely · 25 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Rosebud Economic Development Corporation (4.3% relief)
Bay Countryconsumer Finance,Inc. closes 4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bay Countryconsumer Finance,Inc.'s 25 filings include narrative text
68% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bay Countryconsumer Finance,Inc. complaint mix by product
- Payday loan, 8 32.0% – 0% relief
- Payday loan, 7 28.0% – 14% relief
- Credit reporting 4 16.0% – 0% relief
- Credit reporting, 2 8.0% – 0% relief
- Debt collection 2 8.0% – 0% relief
- Vehicle loan 1 4.0% – 0% relief
- Mortgage 1 4.0% – 0% relief
How Bay Countryconsumer Finance,Inc.'s 25 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, personal loan, or advance loan | 8 |
| Payday loan, title loan, or personal loan | 7 |
| Credit reporting or other personal consumer reports | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Debt collection | 2 |
| Vehicle loan or lease | 1 |
| Mortgage | 1 |
Bay Countryconsumer Finance,Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- -33.3% vs 2018
Top States
| State | Complaints |
|---|---|
| MD | 25 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 5 |
| Improper use of your report | 4 |
| Charged fees or interest you didn't expect | 4 |
| Loan payment wasn't credited to your account | 3 |
| Problem with the payoff process at the end of the loan | 2 |
| Was approved for a loan, but didn't receive money | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Vehicle was repossessed or sold the vehicle | 1 |
| Incorrect information on your report | 1 |
| Communication tactics | 1 |
| Trouble during payment process | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 3 | 100% |
| 2019 | 1 | 100% |
| 2020 | 2 | 100% |
| 2021 | 3 | 100% |
| 2022 | 1 | 100% |
| 2023 | 5 | 100% |
| 2024 | 5 | 100% |
| 2025 | 3 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Bay Countryconsumer Finance,Inc. spreads across product buckets
Bay Countryconsumer Finance,Inc.'s 25 logged complaints stay concentrated: only 1 state shows a filing. 68% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2026-04-03.
Bay Countryconsumer Finance,Inc. answers 100% of complaints inside the CFPB's tracked window and closes 96% with a written explanation. 4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Struggling to pay your loan."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bay Countryconsumer Finance,Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bay Countryconsumer Finance,Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 25.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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.
Data sourced from official public datasets for Bay Countryconsumer Finance,Inc. (100% timely; 4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix