CFPB · Narrative-heavy record
National Finance Company, Inc.
39 CFPB complaints · 41% with narratives · top issue Took or threatened to take negative or legal action.
National Finance Company, Inc.: 41% of 39 filings include consumer narratives. Timely 71.8% · relief 7.7% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +1000% filings 2016 to 2026
CFPB relief outcome brief
CCDB company national-finance-company-inc
7.7% relief · 71.8% timely · 39 filings · Debt collection
Same-product relief peers
Nearest relief peer: Acima Credit, LLC (7.7% relief)
National Finance Company, Inc. closes 7.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
National Finance Company, Inc. scores strongest on closed with explanation (81/100 percentile-benchmarked) and weakest on relief provided (36/100), 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
36 / 100 percentile-benchmarked
7.7% of complaints closed with relief to the consumer
Timely response
51 / 100 percentile-benchmarked
71.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
81 / 100 percentile-benchmarked
89.7% of complaints closed with an explanation to the consumer
Most of National Finance Company, Inc.'s 39 filings include narrative text
41% 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.
National Finance Company, Inc. complaint mix by product
- Debt collection 20 51.3% – 5% relief
- Payday loan, 6 15.4% – 0% relief
- Credit reporting 5 12.8% – 20% relief
- Credit reporting, 3 7.7% – 0% relief
- Payday loan, 3 7.7% – 33% relief
- Consumer Loan 2 5.1% – 0% relief
How National Finance Company, Inc.'s 39 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 20 |
| Payday loan, title loan, personal loan, or advance loan | 6 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Payday loan, title loan, or personal loan | 3 |
| Consumer Loan | 2 |
Concentrated filing states for National Finance Company, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 92.3% of this company's filings
National Finance Company, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11
- +1000% vs 2016
Top States
| State | Complaints |
|---|---|
| NC | 36 |
| AL | 1 |
| SC | 1 |
| VA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 7 |
| Communication tactics | 7 |
| Improper use of your report | 6 |
| Struggling to pay your loan | 4 |
| False statements or representation | 4 |
| Incorrect information on your report | 3 |
| Attempts to collect debt not owed | 2 |
| Charged fees or interest you didn't expect | 2 |
| Can't contact lender or servicer | 1 |
| Problems when you are unable to pay | 1 |
| Managing the loan or lease | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2017 | 1 | 100% |
| 2020 | 2 | 100% |
| 2022 | 4 | 100% |
| 2023 | 5 | 100% |
| 2024 | 1 | 100% |
| 2025 | 14 | 50% |
| 2026 | 11 | 63.6% |
Source: CFPB Consumer Complaint Database
National Finance Company, Inc.'s narrative-rich complaint ledger
National Finance Company, Inc.'s 39 logged complaints stay concentrated: only 4 states show a filing. 41% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-26.
National Finance Company, Inc. answers 71.8% of complaints inside the CFPB's tracked window and closes 89.7% with a written explanation. 7.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" 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 National Finance Company, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for National Finance Company, 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: 39.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 71.8%.
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 National Finance Company, Inc. (71.8% timely; 7.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record