Total complaints
18
Filed since * *
2026 data Public-data reference. official source
payments
18 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
18 consumer complaints filed with the CFPB
This profile shows payments's complaint history from CFPB public records. 18 consumers have filed complaints since * * . The company has a 0% timely response rate and has provided relief in 0% of cases.
18
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
13
States Active
* *
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
payments complaint mix by product
- as prepared 3 27.3% – 0% relief
- I was 2 18.2% – 0% relief
- including accurate 2 18.2% – 0% relief
- I fled 1 9.1% – 0% relief
- after I 1 9.1% – 0% relief
- Freedom Mortgage 1 9.1% – 0% relief
- incomplete 1 9.1% – 0% relief
How payments's 18 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses | 3 |
| I was not a financially responsible party under any valid agreement | 2 |
| including accurate identifying information used to associate this account with me ; The name of the original creditor | 2 |
| I fled a XXXX XXXX situation and relocated from XXXXXXXX XXXX to XXXXXXXX XXXX. During this time | 1 |
| after I dispute a debt owed | 1 |
| Freedom Mortgage sent an email confirming the loan assumption was complete and instructed to create an online account to manage the loan. An account was created that day | 1 |
| incomplete | 1 |
| XXXX XXXX XXXX XXXX | 1 |
| a validation notice must also include | 1 |
| I have not received adequate documentation verifying the validity of this account. Therefore | 1 |
| and to inform you of my need for additional information regarding various charges | 1 |
| 15 U.S.C. 1692g To Whom It May Concern : I am formally disputing the alleged debt that you claim I owe. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) | 1 |
| XXXX XXXX XXXX | 1 |
| XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| bankruptcies | 3 |
| credits | 3 |
| and other charges that form the total balance ) | 2 |
| and communications will be submitted. | 1 |
| and credits since a particular date etc. ) in response to all or part of the dispute before it sends information about the debt to a credit reporting agency. They must also | 1 |
| and escrow details. On or about XX/XX/year> | 1 |
| fees ) ; Clear breakdown of how the XXXXXXXX balance was calculated ; If applicable | 1 |
| and charges. | 1 |
| and credits since the itemization date | 1 |
| interest | 1 |
| analyses | 1 |
| and credits. | 1 |
| and any other transactions associated with this debt. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| and employment history ) as well as their history of loans | 3 |
| proof my income was used | 2 |
| and the date the account was opened ; The date of default and the date the debt became delinquent ; A complete itemization of the amount claimed to be owed | 2 |
| for whom I am the sole provider. I informed AutoTrak of : My relocation My housing instability My family circumstances My intent to continue resolving the lease responsibly Despite extreme hardship | 1 |
| must provide a response to my dispute in accordance with the debt collection rule ; this is generally a validation notice ( e.g. | 1 |
| with a confirmation email received for the auto-pay setup. On XX/XX/year> | 1 |
| including but not limited to : Incorrect account balance Incorrect or missing date of first delinquency Lack of clarity around current ownership of the debt Improper reporting of the accounts status Under Federal Consumer Laws | 1 |
| I formally demand that Experian and each data furnisher produce full verification of the debt | 1 |
| consumer | 1 |
| including all bills of sale | 1 |
| debits | 1 |
| you must cease all collection efforts | 1 |
| the account/reference number | 1 |
| I am requesting that NCB Management Services provide detailed validation of this debt | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About payments
payments has accumulated 18 consumer complaints in the CFPB public database, with filings active across 13 U.S. states. Of those submissions, 11 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to * * , and the most recent logged activity is credit rep, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, payments reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses", and the single most common underlying issue is "and employment history ) as well as their history of loans".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating payments: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 payments have?
payments has received 18 consumer complaints filed with the Consumer Financial Protection Bureau.
Does payments respond to complaints on time?
payments has a 0% timely response rate to CFPB complaints.
What is the most common complaint about payments?
The most common issue reported against payments is "and employment history ) as well as their history of loans" in the "as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses" product category.
Read our methodology — how this data is sourced, computed, and verified.
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