CFPB · Single-product concentration
Instarem PTE Limited
22 CFPB complaints · 95.5% in "Money transfer, virtual currency, or money service" · top issue Confusing or missing disclosures.
Instarem PTE Limited: 95.5% of 22 CFPB complaints sit in "Money transfer, virtual currency, or money service". Timely 86.4% · relief 4.5%. Allegations, not findings.
- Single-product concentration
- -85.7% filings 2019 to 2025
CFPB relief outcome brief
CCDB company instarem-pte-limited
4.5% relief · 86.4% timely · 22 filings · Money transfer, virtual currency, or money service
Same-product relief peers
Nearest relief peer: Securus J Holdings, LLC (4% relief)
Instarem PTE Limited closes 4.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Instarem PTE Limited scores strongest on closed with explanation (92/100 percentile-benchmarked) and weakest on relief provided (21/100), 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
21 / 100 percentile-benchmarked
4.5% of complaints closed with relief to the consumer
Timely response
76 / 100 percentile-benchmarked
86.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
92 / 100 percentile-benchmarked
95.5% of complaints closed with an explanation to the consumer
Most of Instarem PTE Limited's 22 filings include narrative text
68.2% 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.
Instarem PTE Limited complaint mix by product
- Money transfer, 21 95.5% – 5% relief
- Debt collection 1 4.5% – 0% relief
How Instarem PTE Limited's 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Money transfer, virtual currency, or money service | 21 |
| Debt collection | 1 |
Where Instarem PTE Limited complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 31.8% of this company's filings
Instarem PTE Limited falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -85.7% vs 2019
Top States
| State | Complaints |
|---|---|
| GA | 7 |
| CA | 4 |
| TX | 3 |
| NY | 2 |
| WI | 1 |
| NH | 1 |
| HI | 1 |
| IL | 1 |
| WA | 1 |
| FL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Confusing or missing disclosures | 6 |
| Other transaction problem | 5 |
| Fraud or scam | 4 |
| Problem with customer service | 2 |
| Money was not available when promised | 2 |
| Wrong amount charged or received | 1 |
| Other service problem | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 7 | 100% |
| 2020 | 2 | 100% |
| 2021 | 5 | 100% |
| 2022 | 2 | 100% |
| 2023 | 2 | 50% |
| 2024 | 3 | 66.7% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Instarem PTE Limited filings cluster in one product
Instarem PTE Limited's 22 logged complaints stay concentrated: only 10 states show a filing. 68.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2025-09-16.
Instarem PTE Limited answers 86.4% of complaints inside the CFPB's tracked window and closes 95.5% with a written explanation. 4.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Money transfer, virtual currency, or money service" draws the most filings, most often for "Confusing or missing disclosures."
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 Instarem PTE Limited.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Instarem PTE Limited: 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: 22.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 86.4%.
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 Instarem PTE Limited (86.4% timely; 4.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration