Bay Countryconsumer Finance,Inc.
25 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Bay Countryconsumer Finance,Inc.
Bay Countryconsumer Finance,Inc.'s 25 logged complaints stay concentrated: only 1 state shows a filing on record. 68% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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?
25, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Bay Countryconsumer Finance,Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Bay Countryconsumer Finance,Inc.?
"Struggling to pay your loan", filed under the "Payday loan, title loan, personal loan, or advance loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.