CFPB Consumer Complaint Profile

American Payment Holdco, Inc.

Behind the 19 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

19
Total complaints
0
Last 12 months
84.2%
Timely response
11
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, American Payment Holdco, Inc. has accumulated 19 complaints, placing it #2939 by volume. Its on-time response rate is 84.2%, trailing the 93% median among companies with 100+ complaints.

#2939
of 3,848 companies by volume
84.2%
answered on time
Money transfer, virt…
most-complained product
11
states with complaints
American Payment Holdco, Inc. timely response rate 84.2%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Money transfer, virtual currency, or money service - Domestic (US) money transfer 11
Money transfers - Domestic (US) money transfer 4
Checking or savings account - Other banking product or service 1
Checking or savings account - Checking account 1
Money transfer, virtual currency, or money service - Virtual currency 1
Money transfer, virtual currency, or money service - Mobile or digital wallet 1

Top Issues

1.Money was not available when promised 7
2.Other transaction problem 4
3.Other transaction issues 3
4.Fraud or scam 2
5.Problem with a lender or other company charging your account 1
6.Managing an account 1
7.Wrong amount charged or received 1

Complaints by Year

Year Complaints
2016 1
2017 13
2018 2
2019 1
2020 2

Complaints by State (Top 15)

California 4
Illinois 3
Kentucky 2
District of Columbia 2
Massachusetts 2
Rhode Island 1
Virginia 1
Indiana 1
Pennsylvania 1
Maryland 1
New York 1

Company Responses

Closed with explanation 15
Closed with monetary relief 4

What the CFPB Complaint Record Shows for American Payment Holdco, Inc.

The CFPB Consumer Complaint Database has logged 19 complaints against American Payment Holdco, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 11 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Money transfer, virtual currency, or money service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Money was not available when promised" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Within the Bureau's 15-day response window, American Payment Holdco, Inc. answers 84.2% of forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. In 0% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 21.1% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does American Payment Holdco, Inc. have?

American Payment Holdco, Inc. has 19 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does American Payment Holdco, Inc. respond to complaints on time?

American Payment Holdco, Inc.'s CFPB timely-response rate is 84.2%.

What product generates the most complaints for American Payment Holdco, Inc.?

The most complained-about product for American Payment Holdco, Inc. is "Money transfer, virtual currency, or money service." You can view the full product breakdown on this page.

What is the most common complaint issue with American Payment Holdco, Inc.?

"Money was not available when promised" is the single most frequently cited issue in complaints against American Payment Holdco, Inc. - see all issues and counts above.

How do I file a complaint against American Payment Holdco, Inc.?

You can file a complaint against American Payment Holdco, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about American Payment Holdco, Inc.?

American Payment Holdco, Inc. has drawn CFPB complaints from 11 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

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Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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