CFPB · Narrative-heavy record
Tesoro Financial, LLC
15 CFPB complaints · 46.7% with narratives · top issue Took or threatened to take negative or legal action.
Tesoro Financial, LLC: 46.7% of 15 filings include consumer narratives. Timely 66.7% · relief 0% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- -25% filings 2024 to 2026
CFPB relief outcome brief
CCDB company tesoro-financial-llc
0% relief · 66.7% timely · 15 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Tesoro Financial, LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Tesoro Financial, LLC's 15 filings include narrative text
46.7% 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.
Tesoro Financial, LLC complaint mix by product
- Debt collection 8 53.3% – 0% relief
- Credit reporting 5 33.3% – 0% relief
- Payday loan, 2 13.3% – 0% relief
How Tesoro Financial, LLC's 15 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 8 |
| Credit reporting or other personal consumer reports | 5 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
Concentrated filing states for Tesoro Financial, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 53.3% of this company's filings
Tesoro Financial, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 3
- -25% vs 2024
Top States
| State | Complaints |
|---|---|
| GA | 8 |
| TN | 5 |
| TX | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 5 |
| Improper use of your report | 3 |
| Incorrect information on your report | 3 |
| Attempts to collect debt not owed | 2 |
| Problem with the payoff process at the end of the loan | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 4 | 100% |
| 2025 | 8 | 62.5% |
| 2026 | 3 | 33.3% |
Source: CFPB Consumer Complaint Database
Tesoro Financial, LLC's narrative-rich complaint ledger
Tesoro Financial, LLC's 15 logged complaints stay concentrated: only 3 states show a filing. 46.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2026-06-11.
Tesoro Financial, LLC answers 66.7% of complaints inside the CFPB's tracked window and closes 60% 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. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 Tesoro Financial, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Tesoro 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: 15.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 66.7%.
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 Tesoro Financial, LLC (66.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record