CFPB Consumer Complaint Profile
Bay Countryconsumer Finance,Inc.
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 23
- Total complaints
- Mid-range
- 3
- Last 12 months
- 100%
- Timely response
- Top decile
- 1
- States affected
The verdict
Bay Countryconsumer Finance,Inc. ranks #2678 of 3,843 financial companies by CFPB complaint volume. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Payday loan, title l…
- most-complained product
- MD
- 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.
Bay Countryconsumer Finance,Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2018 | 3 |
| 2019 | 1 |
| 2020 | 2 |
| 2021 | 3 |
| 2022 | 1 |
| 2023 | 5 |
| 2024 | 5 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bay Countryconsumer Finance,Inc.
In the CFPB record, Bay Countryconsumer Finance,Inc. has a geographically concentrated complaint footprint. "Payday loan, title loan, or personal loan" 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 "Struggling to pay your loan," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. 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.
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Bay Countryconsumer Finance,Inc. have?
Bay Countryconsumer Finance,Inc. has 23 total consumer complaints filed with the CFPB, with 3 filed in the last 12 months.
Does Bay Countryconsumer Finance,Inc. respond to complaints on time?
Bay Countryconsumer Finance,Inc. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Bay Countryconsumer Finance,Inc.?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Bay Countryconsumer Finance,Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Bay Countryconsumer Finance,Inc.?
"Struggling to pay your loan" is the single most frequently cited issue in complaints against Bay Countryconsumer Finance,Inc. - see all issues and counts above.
How do I file a complaint against Bay Countryconsumer Finance,Inc.?
You can file a complaint against Bay Countryconsumer Finance,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.