CFPB · Narrative-heavy record
Onset Financial, Inc.
5 CFPB complaints · 60% with narratives · top issue Charged fees or interest you didn't expect.
Onset Financial, Inc.: 60% of 5 filings include consumer narratives. Timely 100% · relief 0% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +50% filings 2025 to 2026
CFPB relief outcome brief
CCDB company onset-financial-inc
0% relief · 100% timely · 5 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: CCF Intermediate Holdings LLC (0% relief)
Onset Financial, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Onset Financial, Inc. has 5 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Onset Financial, Inc. complaint mix by product
- Payday loan, 3 60.0% – 0% relief
- Debt collection 2 40.0% – 0% relief
How Onset Financial, Inc.'s 5 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 | 3 |
| Debt collection | 2 |
Concentrated filing states for Onset Financial, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 40% of this company's filings
Onset Financial, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- +50% vs 2025
Top States
| State | Complaints |
|---|---|
| FL | 2 |
| CA | 1 |
| IL | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 2 |
| False statements or representation | 1 |
| Attempts to collect debt not owed | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2025 | 2 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Onset Financial, Inc.'s narrative-rich complaint ledger
Onset Financial, Inc.'s 5 logged complaints stay concentrated: only 4 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2025 through 2026-04-16.
Onset Financial, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% 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 Onset Financial, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Onset Financial, 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: 5.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 Onset Financial, Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record