CFPB · Single-product concentration
Smartpay, LLC
3 CFPB complaints · 100% in "Vehicle loan or lease" · top issue Managing the loan or lease.
Smartpay, LLC: 100% of 3 CFPB complaints sit in "Vehicle loan or lease". Timely 100% · relief 66.7%. Allegations, not findings.
- Single-product concentration
- +100% filings 2022 to 2024
CFPB relief outcome brief
CCDB company smartpay-llc
66.7% relief · 100% timely · 3 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: Universal Acceptance Corporation (Ne) (25.1% relief)
Smartpay, LLC closes 66.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Smartpay, LLC has 3 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.
Smartpay, LLC complaint mix by product
- Vehicle loan 3 100.0% – 67% relief
How Smartpay, LLC's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 3 |
Where Smartpay, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OH
- 33.3% of this company's filings
Smartpay, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2024
- 2
- +100% vs 2022
Top States
| State | Complaints |
|---|---|
| OH | 1 |
| NC | 1 |
| WI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing the loan or lease | 2 |
| Getting a loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 100% |
| 2024 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Smartpay, LLC filings cluster in one product
Smartpay, LLC's 3 logged complaints stay concentrated: only 3 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2022 through 2024-05-13.
Smartpay, LLC answers 100% of complaints inside the CFPB's tracked window and closes 33.3% with a written explanation. 66.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Vehicle loan or lease" draws the most filings, most often for "Managing the loan or lease."
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 Smartpay, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Smartpay, 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: 3.
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 Smartpay, LLC (100% timely; 66.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration