CFPB · Lighter filing volume
Big Picture Loans, LLC
1.3K CFPB complaints (light-volume third) · 50 states · top issue Charged fees or interest I didn't expect.
Big Picture Loans, LLC is in the light-volume third with 1.3K CFPB complaints (ranks #291 of 342). Timely 95.5% · relief 0.7% · top product Payday loan. Allegations, not findings.
- Lighter filing volume
- -80.9% filings 2014 to 2026
CFPB relief outcome brief
CCDB company big-picture-loans-llc
0.7% relief · 95.5% timely · 1.3K filings · Payday loan
Same-product relief peers
Nearest relief peer: Green Trust Cash, LLC (16.9% relief)
Big Picture Loans, LLC closes 0.7% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Big Picture Loans, LLC scores strongest on closed with explanation (98/100 percentile-benchmarked) and weakest on relief provided (3/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
3 / 100 percentile-benchmarked
0.7% of complaints closed with relief to the consumer
Timely response
92 / 100 percentile-benchmarked
95.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
99.1% of complaints closed with an explanation to the consumer
Most of Big Picture Loans, LLC's 1.3K filings include narrative text
55.1% 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.
Big Picture Loans, LLC complaint mix by product
- Payday loan 487 38.0% – 0% relief
- Payday loan, 444 34.6% – 1% relief
- Consumer Loan 151 11.8% – 1% relief
- Debt collection 132 10.3% – 0% relief
- Payday loan, 59 4.6% – 0% relief
- Credit reporting, 5 0.4% – 0% relief
- Credit reporting 4 0.3% – 0% relief
Lighter-volume mix: how Big Picture Loans, LLC's 1.3K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan | 487 |
| Payday loan, title loan, or personal loan | 444 |
| Consumer Loan | 151 |
| Debt collection | 132 |
| Payday loan, title loan, personal loan, or advance loan | 59 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Credit reporting or other personal consumer reports | 4 |
Nationwide filing states for Big Picture Loans, LLC
Top states by attributed volume, lighter-filing company
- Leading state
- FL
- 12.2% of this company's filings
Big Picture Loans, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 13
- -80.9% vs 2014
Volume vs. relief
Where Big Picture Loans, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Big Picture Loans, LLC files more complaint volume than 15% of them, and closes complaints with relief more often than 37% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,282 · Closed with relief: 0.7%
Top States
| State | Complaints |
|---|---|
| FL | 157 |
| GA | 106 |
| CA | 106 |
| MD | 82 |
| WA | 65 |
| MN | 60 |
| IL | 57 |
| MI | 50 |
| NC | 48 |
| OH | 44 |
| VA | 40 |
| TX | 38 |
| IN | 37 |
| MA | 36 |
| LA | 34 |
| OK | 32 |
| AZ | 28 |
| OR | 25 |
| TN | 23 |
| SC | 21 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest I didn't expect | 371 |
| Charged fees or interest you didn't expect | 297 |
| Struggling to pay your loan | 89 |
| Managing the loan or lease | 88 |
| Communication tactics | 37 |
| Problem with the payoff process at the end of the loan | 37 |
| Can't stop charges to bank account | 35 |
| Problems when you are unable to pay | 31 |
| Received a loan I didn't apply for | 26 |
| Taking out the loan or lease | 24 |
| Problem when making payments | 20 |
| False statements or representation | 20 |
| Charged bank acct wrong day or amt | 17 |
| Can't contact lender | 17 |
| Payment to acct not credited | 17 |
| Getting the loan | 15 |
| Taking/threatening an illegal action | 13 |
| Cont'd attempts collect debt not owed | 13 |
| Received a loan you didn't apply for | 12 |
| Attempts to collect debt not owed | 11 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 68 | 100% |
| 2015 | 175 | 94.9% |
| 2016 | 379 | 94.2% |
| 2017 | 309 | 94.8% |
| 2018 | 167 | 98.2% |
| 2019 | 51 | 92.2% |
| 2020 | 25 | 100% |
| 2021 | 17 | 82.4% |
| 2022 | 18 | 100% |
| 2023 | 13 | 100% |
| 2024 | 13 | 100% |
| 2025 | 34 | 100% |
| 2026 | 13 | 92.3% |
Source: CFPB Consumer Complaint Database
Big Picture Loans, LLC in the light-volume third
Big Picture Loans, LLC's 1,282 logged complaints reach a nationwide footprint - 50 states have at least one filing. 55.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-26. Volume lands in the lightest third of the indexed company corpus (#291 of 342).
Big Picture Loans, LLC answers 95.5% of complaints inside the CFPB's tracked window and closes 99.1% with a written explanation. 0.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan" draws the most filings, most often for "Charged fees or interest I didn't expect."
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 Big Picture Loans, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Big Picture Loans, LLC: 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: 1.3K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.5%.
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 Big Picture Loans, LLC (#291 of 342; 95.5% timely; 0.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume