Problem with the payoff process at the end of the loan

5.5K consumer complaints across 621 companies

This page tracks consumer complaints about "Problem with the payoff process at the end of the loan" filed with the CFPB. 5,503 complaints mention this issue across 621 companies. The most affected product category is "Payday loan, title loan, or personal loan".

5.5K
Total Complaints
621
Companies
Payday loan, title loan, or personal loan
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Affirm Holdings, Inc 246
2 OneMain Finance Corporation 191
3 Wells Fargo & Company 156
4 CCF Intermediate Holdings LLC 139
5 Acima Credit, LLC 113
6 MoneyLion Inc. 107
7 Enova International, Inc. 96
8 Upgrade, Inc. 88
9 Truist Financial Corporation 82
10 Paramount GR Holdings, LLC 74
11 TMX Finance LLC 74
12 Synchrony Financial 71
13 Citizens Financial Group, Inc. 67
14 Upstart Holdings, Inc. 61
15 PNC Bank N.A. 60
16 Self Financial Inc. 57
17 Bank of America, National Association 56
18 Westlake Services, LLC 55
19 Onemain Financial Holdings, LLC. 54
20 Alorica Inc. 53
21 U.S. Bancorp 53
22 Solar Mosaic LLC 52
23 Lending Club Corp 52
24 Klarna AB 51
25 American First Finance, Inc. 49
26 LDF Holdings, LLC 46
27 JPMorgan Chase & Co. 46
28 Westcreek Financial 45
29 Mariner Finance, LLC 45
30 CURO Intermediate Holdings 42
31 Citibank, N.a. 42
32 Cng Financial Corporation 41
33 World Acceptance Corporation 39
34 Populus Financial Group, Inc. (F/K/A Ace Cash Express) 39
35 Ally Financial Inc. 39
36 TD Bank Us Holding Company 38
37 Sofi Technologies, Inc. 38
38 Block, Inc. 37
39 Fifth Third Financial Corporation 37
40 Big Picture Loans, LLC 37
41 Advance America, Cash Advance Centers, Inc. 35
42 Wheels Financial Group, LLC. 35
43 Navy Federal Credit Union 34
44 Harpeth Financial Services, LLC 34
45 Regions Financial Corporation 33
46 Select Management Resources, LLC 32
47 Prosper Marketplace, Inc. 31
48 Santander Holdings USA, Inc. 31
49 Duvera Billing Services, LLC 31
50 BlueChip Financial 31

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Problem with the payoff process at the end of the loan" Complaints

The CFPB public record contains 5,503 consumer complaints tagged with the issue "Problem with the payoff process at the end of the loan", distributed across 621 distinct companies that have been named as the respondent on at least one filing. That breadth, spread across 621 separate respondents, points to a systemic theme across the market rather than one company's operational problem, a structural friction in how a product category is sold, serviced, or collected on.

The most common product category where "Problem with the payoff process at the end of the loan" is raised is "Payday loan, title loan, or personal loan". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Problem with the payoff process at the end of the loan" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Problem with the payoff process at the end of the loan", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.