CFPB · Slower timely-response band
Community Choice Financial, Inc.
1.2K CFPB complaints · 93.4% timely (slow band) · top issue Communication tactics.
Community Choice Financial, Inc. answers 93.4% on time (lower third) across 1.2K filings. Relief 2.6% · top product Debt collection. Allegations, not findings.
- Slower timely-response band
- -86% filings 2013 to 2022
CFPB relief outcome brief
CCDB company community-choice-financial-inc
2.6% relief · 93.4% timely · 1.2K filings · Debt collection
Same-product relief peers
Nearest relief peer: CURO Intermediate Holdings (2.6% relief)
Community Choice Financial, Inc. closes 2.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Community Choice Financial, Inc. scores strongest on closed with explanation (92/100 percentile-benchmarked) and weakest on relief provided (12/100), 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
12 / 100 percentile-benchmarked
2.6% of complaints closed with relief to the consumer
Timely response
88 / 100 percentile-benchmarked
93.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
92 / 100 percentile-benchmarked
95.6% of complaints closed with an explanation to the consumer
Most of Community Choice Financial, Inc.'s 1.2K filings include narrative text
41.3% 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.
Community Choice Financial, Inc. complaint mix by product
- Debt collection 559 47.1% – 3% relief
- Payday loan 248 20.9% – 4% relief
- Payday loan, 222 18.7% – 0% relief
- Credit reporting, 68 5.7% – 0% relief
- Consumer Loan 60 5.1% – 2% relief
- Money transfer, 26 2.2% – 0% relief
- Bank account 5 0.4% – 20% relief
Lighter-volume mix: how Community Choice Financial, Inc.'s 1.2K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 559 |
| Payday loan | 248 |
| Payday loan, title loan, or personal loan | 222 |
| Credit reporting, credit repair services, or other personal consumer reports | 68 |
| Consumer Loan | 60 |
| Money transfer, virtual currency, or money service | 26 |
| Bank account or service | 5 |
| Credit card or prepaid card | 5 |
| Credit reporting | 4 |
| Other financial service | 3 |
| Checking or savings account | 2 |
| Money transfers | 1 |
Nationwide filing states for Community Choice Financial, Inc.
Top states by attributed volume, lighter-filing company
- Leading state
- CA
- 23.7% of this company's filings
Community Choice Financial, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2022
- 8
- -86% vs 2013
Volume vs. relief
Where Community Choice Financial, Inc. sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Community Choice Financial, Inc. files more complaint volume than 11% of them, and closes complaints with relief more often than 48% 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: 1,203 · Closed with relief: 2.6%
Top States
| State | Complaints |
|---|---|
| CA | 285 |
| OH | 171 |
| TX | 144 |
| TN | 59 |
| AL | 54 |
| VA | 49 |
| SC | 43 |
| MO | 43 |
| WI | 33 |
| FL | 33 |
| AZ | 27 |
| LA | 21 |
| IN | 18 |
| UT | 18 |
| MI | 18 |
| GA | 17 |
| NV | 14 |
| NM | 13 |
| DE | 12 |
| KS | 11 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 208 |
| Attempts to collect debt not owed | 79 |
| Charged fees or interest I didn't expect | 64 |
| Cont'd attempts collect debt not owed | 64 |
| Can't contact lender | 56 |
| Struggling to pay your loan | 52 |
| Improper contact or sharing of info | 50 |
| Incorrect information on your report | 45 |
| Charged fees or interest you didn't expect | 43 |
| Can't stop charges to bank account | 41 |
| Received a loan I didn't apply for | 40 |
| Took or threatened to take negative or legal action | 38 |
| Taking/threatening an illegal action | 36 |
| False statements or representation | 34 |
| Written notification about debt | 28 |
| Charged bank acct wrong day or amt | 28 |
| Improper use of your report | 27 |
| Problems when you are unable to pay | 25 |
| Managing the loan or lease | 23 |
| Payment to acct not credited | 20 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 57 | 98.2% |
| 2014 | 225 | 98.2% |
| 2015 | 202 | 98% |
| 2016 | 126 | 99.2% |
| 2017 | 162 | 72.2% |
| 2018 | 140 | 97.9% |
| 2019 | 136 | 84.6% |
| 2020 | 83 | 100% |
| 2021 | 64 | 100% |
| 2022 | 8 | 100% |
Source: CFPB Consumer Complaint Database
Community Choice Financial, Inc. in the slower-timely third
Community Choice Financial, Inc.'s 1,203 logged complaints reach a nationwide footprint - 42 states have at least one filing. 41.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2022-01-22. Timely response 93.4% sits in the lower third of the corpus.
Community Choice Financial, Inc. answers 93.4% of complaints inside the CFPB's tracked window (timely band: slow) and closes 2.6% with relief; 95.6% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Communication tactics."
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 Community Choice Financial, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Community Choice Financial, 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: 1.2K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 93.4%.
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 Community Choice Financial, Inc. (#304 of 342; 93.4% timely; 2.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band