CFPB · Mid-pack CFPB posture
NCP Finance
36 CFPB complaints · 3 states · top issue Charged fees or interest you didn't expect.
NCP Finance has 36 consumer complaints in the CFPB public database. Timely response is 91.7%; 5.6% closed with relief; top product Payday loan, title loan, or personal loan. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +300% filings 2014 to 2019
CFPB relief outcome brief
CCDB company ncp-finance
5.6% relief · 91.7% timely · 36 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: LDF Holdings, LLC (6% relief)
NCP Finance closes 5.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
NCP Finance scores strongest on timely response (85/100 percentile-benchmarked) and weakest on relief provided (26/100), 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
26 / 100 percentile-benchmarked
5.6% of complaints closed with relief to the consumer
Timely response
85 / 100 percentile-benchmarked
91.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
85 / 100 percentile-benchmarked
91.7% of complaints closed with an explanation to the consumer
How 36 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Concentrated filing states for NCP Finance
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 72.2% of this company's filings
NCP Finance rising annual filings
Annual filing volume from the CFPB public database
- 2019
- 8
- +300% vs 2014
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
What the CFPB record shows about NCP Finance
NCP Finance's 36 logged complaints stay concentrated: only 3 states show a filing. Only 27.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for NCP Finance: 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: 36.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 91.7%.
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 NCP Finance (91.7% timely; 5.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture