CFPB Consumer Complaint Profile
Apple Financial Holdings, Inc.
Consumers have filed complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 199
- Total complaints
- Above average
- 18
- Last 12 months
- 92%
- Timely response
- Bottom quartile
- 13
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Apple Financial Holdings, Inc. places #937 by volume. Its on-time response record is at the 21st percentile among companies with 100+ complaints.
- Checking or savings …
- most-complained product
- NY
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Apple Financial Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
92% Among the lowest higher than 21% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 15 |
| 2016 | 19 |
| 2017 | 20 |
| 2018 | 24 |
| 2019 | 14 |
| 2020 | 19 |
| 2021 | 23 |
| 2022 | 7 |
| 2023 | 16 |
| 2024 | 17 |
| 2025 | 21 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Apple Financial Holdings, Inc.
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Apple Financial Holdings, Inc., with consumers across the country filing against it. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Apple Financial Holdings, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (4.8% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Apple Financial Holdings, Inc. have?
The CFPB has logged 199 complaints against Apple Financial Holdings, Inc. to date, of which 18 came in over the last 12 months.
Does Apple Financial Holdings, Inc. respond to complaints on time?
CFPB complaints against Apple Financial Holdings, Inc. draw a 92% timely-response rate inside the expected window.
What product generates the most complaints for Apple Financial Holdings, Inc.?
The most complained-about product for Apple Financial Holdings, Inc. is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Apple Financial Holdings, Inc.?
The most common issue reported by consumers about Apple Financial Holdings, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Apple Financial Holdings, Inc.?
You can file a complaint against Apple Financial Holdings, 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 Apple Financial Holdings, Inc.?
The CFPB has recorded complaints against Apple Financial Holdings, Inc. from 13 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.