CFPB · Single-product concentration
OM Financial, LLC
20 CFPB complaints · 85% in "Payday loan, title loan, personal loan, or advance loan" · top issue Charged fees or interest you didn't expect.
OM Financial, LLC: 85% of 20 CFPB complaints sit in "Payday loan, title loan, personal loan, or advance loan". Timely 5% · relief 10%. Allegations, not findings.
- Single-product concentration
- -25% filings 2024 to 2026
CFPB relief outcome brief
CCDB company om-financial-llc
10% relief · 5% timely · 20 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: Wlcc (9.9% relief)
OM Financial, LLC closes 10% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of OM Financial, LLC's 20 filings include narrative text
60% 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.
OM Financial, LLC complaint mix by product
- Payday loan, 17 85.0% – 6% relief
- Debt collection 2 10.0% – 50% relief
- Credit reporting 1 5.0% – 0% relief
How OM Financial, LLC's 20 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 | 17 |
| Debt collection | 2 |
| Credit reporting or other personal consumer reports | 1 |
Where OM Financial, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 20% of this company's filings
OM Financial, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- -25% vs 2024
Top States
| State | Complaints |
|---|---|
| FL | 4 |
| IN | 3 |
| OK | 2 |
| TX | 2 |
| WA | 2 |
| MA | 1 |
| MN | 1 |
| AL | 1 |
| MI | 1 |
| CA | 1 |
| IA | 1 |
| LA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 9 |
| Problem with the payoff process at the end of the loan | 2 |
| Received a loan you didn't apply for | 2 |
| False statements or representation | 1 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 |
| Improper use of your report | 1 |
| Attempts to collect debt not owed | 1 |
| Getting the loan | 1 |
| Was approved for a loan, but didn't receive the money | 1 |
| Getting a line of credit | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 4 | 0% |
| 2025 | 13 | 0% |
| 2026 | 3 | 33.3% |
Source: CFPB Consumer Complaint Database
OM Financial, LLC filings cluster in one product
OM Financial, LLC's 20 logged complaints stay concentrated: only 12 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-02-03.
OM Financial, LLC answers 5% of complaints inside the CFPB's tracked window and closes 90% with a written explanation. 10% 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 "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 OM Financial, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for OM Financial, LLC: 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: 20.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 5%.
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 OM Financial, LLC (5% timely; 10% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration