CFPB · Narrative-heavy record
Loantopia
9 CFPB complaints · 77.8% with narratives · top issue Took or threatened to take negative or legal action.
Loantopia: 77.8% of 9 filings include consumer narratives. Timely 44.4% · relief 22.2% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- -66.7% filings 2018 to 2025
CFPB relief outcome brief
CCDB company loantopia
22.2% relief · 44.4% timely · 9 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Service Finance Holdings, LLC (22.4% relief)
Loantopia closes 22.2% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Loantopia complaint mix by product
- Payday loan, 4 44.4% – 25% relief
- Debt collection 4 44.4% – 25% relief
- Payday loan, 1 11.1% – 0% relief
How Loantopia's 9 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, or personal loan | 4 |
| Debt collection | 4 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
Concentrated filing states for Loantopia
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 77.8% of this company's filings
Loantopia falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -66.7% vs 2018
Top States
| State | Complaints |
|---|---|
| CA | 7 |
| TX | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 3 |
| Problem with the payoff process at the end of the loan | 2 |
| Getting a line of credit | 1 |
| Charged fees or interest you didn't expect | 1 |
| False statements or representation | 1 |
| Problem with additional add-on products or services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 3 | 66.7% |
| 2019 | 1 | 100% |
| 2020 | 3 | 33.3% |
| 2022 | 1 | 0% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Loantopia's narrative-rich complaint ledger
Loantopia's 9 logged complaints stay concentrated: only 3 states show a filing. 77.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2025-09-25.
Loantopia answers 44.4% of complaints inside the CFPB's tracked window and closes 44.4% with a written explanation. 22.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 Loantopia.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Loantopia: 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: 9.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 44.4%.
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 Loantopia (44.4% timely; 22.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record