CFPB · Narrative-heavy record
Modoc Tribe Financial Services Authority
15 CFPB complaints · 60% with narratives · top issue Struggling to pay your loan.
Modoc Tribe Financial Services Authority: 60% of 15 filings include consumer narratives. Timely 100% · relief 0% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +100% filings 2021 to 2025
CFPB relief outcome brief
CCDB company modoc-tribe-financial-services-authority
0% relief · 100% timely · 15 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: CCF Intermediate Holdings LLC (0% relief)
Modoc Tribe Financial Services Authority closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Modoc Tribe Financial Services Authority scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (0/100), 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
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
100 / 100 percentile-benchmarked
100% of complaints closed with an explanation to the consumer
Most of Modoc Tribe Financial Services Authority's 15 filings include narrative text
60% 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.
Modoc Tribe Financial Services Authority complaint mix by product
- Payday loan, 7 46.7% – 0% relief
- Debt collection 6 40.0% – 0% relief
- Payday loan, 2 13.3% – 0% relief
How Modoc Tribe Financial Services Authority's 15 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 | 7 |
| Debt collection | 6 |
| Payday loan, title loan, or personal loan | 2 |
Where Modoc Tribe Financial Services Authority complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 26.7% of this company's filings
Modoc Tribe Financial Services Authority rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- +100% vs 2021
Top States
| State | Complaints |
|---|---|
| NC | 4 |
| CA | 2 |
| TX | 2 |
| MD | 2 |
| LA | 1 |
| HI | 1 |
| OR | 1 |
| FL | 1 |
| NE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 4 |
| Communication tactics | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Charged fees or interest you didn't expect | 2 |
| Problem when making payments | 1 |
| Took or threatened to take negative or legal action | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Can't contact lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 1 | 100% |
| 2022 | 2 | 100% |
| 2023 | 7 | 100% |
| 2024 | 3 | 100% |
| 2025 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Modoc Tribe Financial Services Authority's narrative-rich complaint ledger
Modoc Tribe Financial Services Authority's 15 logged complaints stay concentrated: only 9 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2025-05-30.
Modoc Tribe Financial Services Authority answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 Modoc Tribe Financial Services Authority.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Modoc Tribe Financial Services Authority: 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: 15.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Modoc Tribe Financial Services Authority (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record