CFPB · Slower timely-response band
TMX Finance LLC
1.2K CFPB complaints · 84.6% timely (slow band) · top issue Charged fees or interest you didn't expect.
TMX Finance LLC answers 84.6% on time (lower third) across 1.2K filings. Relief 1.8% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Slower timely-response band
- -85.7% filings 2013 to 2024
CFPB relief outcome brief
CCDB company tmx-finance-llc
1.8% relief · 84.6% timely · 1.2K filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: Avant Credit Corporation (2.1% relief)
TMX Finance LLC closes 1.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
TMX Finance LLC scores strongest on closed with explanation (95/100 percentile-benchmarked) and weakest on relief provided (8/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
8 / 100 percentile-benchmarked
1.8% of complaints closed with relief to the consumer
Timely response
73 / 100 percentile-benchmarked
84.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
95 / 100 percentile-benchmarked
97.5% of complaints closed with an explanation to the consumer
Most of TMX Finance LLC's 1.2K filings include narrative text
52% 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.
TMX Finance LLC complaint mix by product
- Payday loan, 644 52.8% – 1% relief
- Consumer Loan 274 22.5% – 6% relief
- Debt collection 117 9.6% – 1% relief
- Payday loan, 96 7.9% – 0% relief
- Vehicle loan 55 4.5% – 0% relief
- Payday loan 21 1.7% – 5% relief
- Credit reporting, 13 1.1% – 0% relief
Lighter-volume mix: how TMX Finance LLC's 1.2K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 644 |
| Consumer Loan | 274 |
| Debt collection | 117 |
| Payday loan, title loan, personal loan, or advance loan | 96 |
| Vehicle loan or lease | 55 |
| Payday loan | 21 |
| Credit reporting, credit repair services, or other personal consumer reports | 13 |
| Money transfer, virtual currency, or money service | 5 |
| Checking or savings account | 2 |
| Credit reporting or other personal consumer reports | 1 |
| Credit card or prepaid card | 1 |
Where TMX Finance LLC complaints are filed
Top states by attributed volume, lighter-filing company
- Leading state
- GA
- 24.2% of this company's filings
TMX Finance LLC falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 2
- -85.7% vs 2013
Volume vs. relief
Where TMX Finance LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, TMX Finance LLC files more complaint volume than 12% of them, and closes complaints with relief more often than 45% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,229 · Closed with relief: 1.8%
Top States
| State | Complaints |
|---|---|
| GA | 298 |
| TX | 224 |
| FL | 92 |
| TN | 77 |
| SC | 72 |
| AZ | 60 |
| CA | 55 |
| MO | 49 |
| AL | 49 |
| VA | 38 |
| IL | 36 |
| NV | 24 |
| MD | 16 |
| NC | 14 |
| KS | 11 |
| NJ | 10 |
| PA | 10 |
| UT | 10 |
| NM | 9 |
| OH | 8 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 250 |
| Struggling to pay your loan | 216 |
| Vehicle was repossessed or sold the vehicle | 113 |
| Charged fees or interest I didn't expect | 98 |
| Problem with the payoff process at the end of the loan | 74 |
| Managing the loan or lease | 61 |
| Problems when you are unable to pay | 59 |
| Communication tactics | 37 |
| Loan payment wasn't credited to your account | 31 |
| Can't contact lender or servicer | 28 |
| Lender repossessed or sold the vehicle | 24 |
| Taking out the loan or lease | 20 |
| Attempts to collect debt not owed | 19 |
| Took or threatened to take negative or legal action | 14 |
| Improper contact or sharing of info | 14 |
| Problems at the end of the loan or lease | 13 |
| Can't contact lender | 13 |
| Vehicle was damaged or destroyed the vehicle | 12 |
| Incorrect information on your report | 12 |
| Payment to acct not credited | 12 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 14 | 100% |
| 2014 | 93 | 97.8% |
| 2015 | 124 | 100% |
| 2016 | 95 | 98.9% |
| 2017 | 91 | 100% |
| 2018 | 73 | 97.3% |
| 2019 | 82 | 79.3% |
| 2020 | 100 | 90% |
| 2021 | 75 | 84% |
| 2022 | 93 | 88.2% |
| 2023 | 387 | 65.4% |
| 2024 | 2 | 100% |
Source: CFPB Consumer Complaint Database
TMX Finance LLC in the slower-timely third
TMX Finance LLC's 1,229 logged complaints stay concentrated: only 34 states show a filing. 52% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2024-01-07. Timely response 84.6% sits in the lower third of the corpus.
TMX Finance LLC answers 84.6% of complaints inside the CFPB's tracked window (timely band: slow) and closes 1.8% with relief; 97.5% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Payday loan, title loan, or personal loan" · top issue "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 TMX Finance LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for TMX Finance 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: 1.2K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 84.6%.
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 TMX Finance LLC (#302 of 342; 84.6% timely; 1.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band