Problems when you are unable to pay

9.4K consumer complaints across 702 companies

This page tracks consumer complaints about "Problems when you are unable to pay" filed with the CFPB. 9,370 complaints mention this issue across 702 companies. The most affected product category is "Consumer Loan".

9.4K
Total Complaints
702
Companies
Consumer Loan
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Navient Solutions, LLC. 766
2 Wells Fargo & Company 633
3 Santander Consumer USA Holdings Inc. 575
4 Ally Financial Inc. 423
5 JPMorgan Chase & Co. 334
6 Capital One Financial Corporation 289
7 Citibank, N.a. 262
8 Aes/Pheaa 208
9 General Motors Financial Company, Inc. 204
10 Credit Acceptance Corporation 171
11 American Honda Finance Corp 159
12 Onemain Financial Holdings, LLC. 158
13 Toyota Motor Credit Corporation 126
14 Westlake Services, LLC 124
15 Bank of America, National Association 122
16 Cashcall, Inc. 121
17 Synchrony Financial 110
18 BB&T Corporation 103
19 Nissan Motor Acceptance Company LLC 91
20 Security Finance Corp 89
21 Consumer Portfolio Services, Inc. 83
22 Keycorp 83
23 Ford Motor Credit Co. 82
24 Navy Federal Credit Union 79
25 TD Bank Us Holding Company 78
26 Exeter Finance, LLC. 77
27 Tower Loan of Mississippi, Inc. 77
28 Prestige Financial Services Inc 77
29 DriveTime 75
30 U.S. Bancorp 74
31 BMW Financial Services NA, LLC 65
32 World Acceptance Corporation 64
33 Delbert Services 61
34 Hyundai Capital America 60
35 Conn's, Inc. 60
36 TMX Finance LLC 59
37 Byrider Franchising, LLC 58
38 United Services Automobile Association 51
39 Expert Global Solutions, Inc. 51
40 Fifth Third Financial Corporation 50
41 Discover Bank 48
42 HSBC North America Holdings Inc. 48
43 Credit Central Holdings, LLC 48
44 Enova International, Inc. 47
45 PNC Bank N.A. 45
46 Bliksum, LLC 43
47 Cng Financial Corporation 41
48 Encore Capital Group Inc. 40
49 Suntrust Banks, Inc. 40
50 Citizens Financial Group, Inc. 39

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Problems when you are unable to pay" Complaints

The CFPB public record contains 9,370 consumer complaints tagged with the issue "Problems when you are unable to pay", distributed across 702 distinct companies that have been named as the respondent on at least one filing. That breadth, spread across 702 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 "Problems when you are unable to pay" is raised is "Consumer 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 "Problems when you are unable to pay" 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 "Problems when you are unable to pay", 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.