Total complaints
1
Filed since Last
2026 data Public-data reference. official source
the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility's complaint history from CFPB public records. 1 consumers have filed complaints since Last. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
Last
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.
the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility complaint mix by product
- TMS knowingly 1 100.0% – 0% relief
How the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| TMS knowingly omitted information when processing my loan and mislead me for weeks into believing I was qualified for a loan in the amount of {$260000.00}. As TMS was unwilling to provide me with information related to my loan | 1 |
Top States
| State | Complaints |
|---|---|
| not the Borrowers responsibility. Their attorney took advantage of my lack of knowledge about regulations and understanding about the Ability to Repay which seems to be an abusive practice on their part. TMS and their Attorney put the burden and responsibility on me ( the Borrower ) to tell this Lender whether I was qualified for this loan. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| one of which included the XXXX Underwriting Findings and a letter from TMS General Counsel XXXX XXXX XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility
the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 Last, and the most recent logged activity is Last, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility 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 "TMS knowingly omitted information when processing my loan and mislead me for weeks into believing I was qualified for a loan in the amount of {$260000.00}. As TMS was unwilling to provide me with information related to my loan", and the single most common underlying issue is "one of which included the XXXX Underwriting Findings and a letter from TMS General Counsel XXXX XXXX XXXX".
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 the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility: 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 the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility have?
the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility respond to complaints on time?
the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility has a 0% timely response rate to CFPB complaints.
What is the most common complaint about the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility?
The most common issue reported against the Ability to Repay falls under Regulation Z The Truth in Lending Act and is the lenders responsibility is "one of which included the XXXX Underwriting Findings and a letter from TMS General Counsel XXXX XXXX XXXX" in the "TMS knowingly omitted information when processing my loan and mislead me for weeks into believing I was qualified for a loan in the amount of {$260000.00}. As TMS was unwilling to provide me with information related to my loan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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