NCP Finance
36 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
NCP Finance complaint mix by product
- Payday loan, 18 50.0% – 0% relief
- Debt collection 8 22.2% – 0% relief
- Payday loan 5 13.9% – 20% relief
- Consumer Loan 3 8.3% – 33% relief
- Vehicle loan 1 2.8% – 0% relief
- Credit reporting, 1 2.8% – 0% relief
How NCP Finance's 36 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 | 18 |
| Debt collection | 8 |
| Payday loan | 5 |
| Consumer Loan | 3 |
| Vehicle loan or lease | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Top States
| State | Complaints |
|---|---|
| OH | 26 |
| TX | 8 |
| KY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 9 |
| Struggling to pay your loan | 8 |
| Communication tactics | 6 |
| Charged fees or interest I didn't expect | 3 |
| Managing the loan or lease | 1 |
| Problems when you are unable to pay | 1 |
| Payment to acct not credited | 1 |
| Applied for loan/did not receive money | 1 |
| Received a loan I didn't apply for | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Received a loan you didn't apply for | 1 |
| Attempts to collect debt not owed | 1 |
| Incorrect information on your report | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 50% |
| 2015 | 5 | 80% |
| 2016 | 3 | 100% |
| 2017 | 6 | 100% |
| 2018 | 12 | 91.7% |
| 2019 | 8 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About NCP Finance
NCP Finance's 36 logged complaints stay concentrated: only 3 states show a filing on record. Only 27.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2014 through 2019-12-19.
NCP Finance answers 91.7% of complaints inside the CFPB's tracked window and closes 91.7% with a written explanation. 5.6% 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 "Charged fees or interest you didn't expect."
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 NCP Finance.
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.
Frequently Asked Questions
How many CFPB complaints does NCP Finance have?
36, per the CFPB's public complaint count for this company (see the full breakdown above).
Does NCP Finance respond to complaints on time?
91.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about NCP Finance?
"Charged fees or interest you didn't expect", filed under the "Payday loan, title loan, or personal loan" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.