Total complaints
31
Filed since 2014
2026 data Public-data reference. official source
NCP Finance
31 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
31 consumer complaints filed with the CFPB
This profile shows NCP Finance's complaint history from CFPB public records. 31 consumers have filed complaints since 2014. The company has a 93.5% timely response rate and has provided relief in 6.5% of cases.
31
Total Complaints
93.5%
Timely Response
6.5%
Disputed
6.5%
Relief Provided
3
States Active
2014
Since
Timely response
93.5%
CFPB-tracked response window
Relief rate
6.5%
Closed with monetary or non-monetary relief
Timely response rate 93.5%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 6.5%
Industry median
Share closed with monetary or non-monetary relief.
NCP Finance complaint mix by product
- Payday loan, 15 48.4% – 0% relief
- Debt collection 7 22.6% – 0% relief
- Payday loan 4 12.9% – 25% relief
- Consumer Loan 3 9.7% – 33% relief
- Vehicle loan 1 3.2% – 0% relief
- Credit reporting, 1 3.2% – 0% relief
How NCP Finance's 31 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 | 15 |
| Debt collection | 7 |
| Payday loan | 4 |
| Consumer Loan | 3 |
| Vehicle loan or lease | 1 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Top States
| State | Complaints |
|---|---|
| OH | 21 |
| TX | 8 |
| KY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay your loan | 8 |
| Charged fees or interest you didn't expect | 7 |
| Communication tactics | 5 |
| Charged fees or interest I didn't expect | 3 |
| Received a loan you didn't apply for | 1 |
| Problems when you are unable to pay | 1 |
| Attempts to collect debt not owed | 1 |
| Applied for loan/did not receive money | 1 |
| Incorrect information on your report | 1 |
| False statements or representation | 1 |
| Managing the loan or lease | 1 |
| Payment to acct not credited | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 50% |
| 2015 | 5 | 80% |
| 2016 | 2 | 100% |
| 2017 | 6 | 100% |
| 2018 | 9 | 100% |
| 2019 | 7 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About NCP Finance
NCP Finance has accumulated 31 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 5 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2019-12-19, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, NCP Finance reports a 93.5% timely-response rate and has closed 90.3% of cases with a written explanation to the consumer. 6.5% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 6.5% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Payday loan, title loan, or personal loan", and the single most common underlying issue is "Struggling to pay your loan".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating NCP Finance: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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?
NCP Finance has received 31 consumer complaints filed with the Consumer Financial Protection Bureau.
Does NCP Finance respond to complaints on time?
NCP Finance has a 93.5% timely response rate to CFPB complaints.
What is the most common complaint about NCP Finance?
The most common issue reported against NCP Finance is "Struggling to pay your loan" in the "Payday loan, title loan, or personal loan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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