Net Pay Advance, Inc.
82 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Net Pay Advance, Inc.
Net Pay Advance, Inc.'s 82 logged complaints stay concentrated: only 12 states show a filing on record. 53.7% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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 Net Pay Advance, Inc. have?
82, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Net Pay Advance, Inc. respond to complaints on time?
98.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Net Pay Advance, Inc.?
"Received a loan you didn't apply for", filed under the "Payday loan, title loan, personal loan, or advance 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.