CFPB · Narrative-heavy record
Net Pay Advance, Inc.
82 CFPB complaints · 53.7% with narratives · top issue Received a loan you didn't apply for.
Net Pay Advance, Inc.: 53.7% of 82 filings include consumer narratives. Timely 98.8% · relief 18.3% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +1900% filings 2016 to 2026
CFPB relief outcome brief
CCDB company net-pay-advance-inc
18.3% relief · 98.8% timely · 82 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Greensky Operations, LLC (18.7% relief)
Net Pay Advance, Inc. closes 18.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Net Pay Advance, Inc.'s 82 filings include narrative text
53.7% 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.
Net Pay Advance, Inc. complaint mix by product
- Payday loan, 40 48.8% – 3% relief
- Debt collection 26 31.7% – 27% relief
- Payday loan, 12 14.6% – 42% relief
- Credit reporting 2 2.4% – 0% relief
- Credit reporting, 2 2.4% – 100% relief
How Net Pay Advance, Inc.'s 82 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 | 40 |
| Debt collection | 26 |
| Payday loan, title loan, or personal loan | 12 |
| Credit reporting or other personal consumer reports | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Where Net Pay Advance, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 34.1% of this company's filings
Net Pay Advance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 20
- +1900% vs 2016
Top States
| State | Complaints |
|---|---|
| TX | 28 |
| CA | 26 |
| MO | 6 |
| KS | 5 |
| TN | 4 |
| LA | 3 |
| UT | 2 |
| WI | 2 |
| OH | 1 |
| SC | 1 |
| NV | 1 |
| HI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Received a loan you didn't apply for | 14 |
| Charged fees or interest you didn't expect | 10 |
| Attempts to collect debt not owed | 8 |
| Problem with the payoff process at the end of the loan | 6 |
| Struggling to pay your loan | 5 |
| False statements or representation | 5 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 4 |
| Took or threatened to take negative or legal action | 4 |
| Can't stop withdrawals from your bank account | 4 |
| Written notification about debt | 4 |
| Loan payment wasn't credited to your account | 3 |
| Was approved for a loan, but didn't receive the money | 3 |
| Electronic communications | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Problem with cash advance | 1 |
| Can't contact lender or servicer | 1 |
| Improper use of your report | 1 |
| Credit monitoring or identity theft protection services | 1 |
| Problem when making payments | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 1 | 100% |
| 2017 | 3 | 66.7% |
| 2018 | 6 | 100% |
| 2019 | 2 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2022 | 4 | 100% |
| 2023 | 5 | 100% |
| 2024 | 13 | 100% |
| 2025 | 25 | 100% |
| 2026 | 20 | 100% |
Source: CFPB Consumer Complaint Database
Net Pay Advance, Inc.'s narrative-rich complaint ledger
Net Pay Advance, Inc.'s 82 logged complaints stay concentrated: only 12 states show a filing. 53.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-12.
Net Pay Advance, Inc. answers 98.8% of complaints inside the CFPB's tracked window and closes 81.7% with a written explanation. 18.3% 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 "Received a loan you didn't apply for."
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 Net Pay Advance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Net Pay Advance, 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: 82.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.8%.
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 Net Pay Advance, Inc. (98.8% timely; 18.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record