CFPB Consumer Complaint Profile
Big Picture Loans, LLC
1,275 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 1,275
- Total complaints
- 37
- Last 12 months
- 95.5%
- Timely response
- 49
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Big Picture Loans, LLC has accumulated 1,275 complaints, placing it #284 by volume. 95.5% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #284
- of 3,848 companies by volume
- 95.5%
- answered on time
- Payday loan
- most-complained product
- 49
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 68 |
| 2015 | 175 |
| 2016 | 379 |
| 2017 | 309 |
| 2018 | 167 |
| 2019 | 51 |
| 2020 | 25 |
| 2021 | 17 |
| 2022 | 18 |
| 2023 | 13 |
| 2024 | 13 |
| 2025 | 34 |
| 2026 | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Big Picture Loans, LLC
Big Picture Loans, LLC carries 1,275 complaints in the CFPB's database, 37 of them filed within the past 12 months. Consumers spanning 49 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Payday loan," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Charged fees or interest I didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
95.5% of CFPB-forwarded complaints against Big Picture Loans, LLC get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 6.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.7% closed with the consumer receiving monetary or non-monetary relief.
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 Big Picture Loans, LLC have?
Big Picture Loans, LLC has 1,275 total consumer complaints filed with the CFPB, with 37 filed in the last 12 months.
Does Big Picture Loans, LLC respond to complaints on time?
95.5% of the CFPB complaints against Big Picture Loans, LLC get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Big Picture Loans, LLC?
"Payday loan" draws more CFPB complaints against Big Picture Loans, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Big Picture Loans, LLC?
The most common issue reported by consumers about Big Picture Loans, LLC is "Charged fees or interest I didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against Big Picture Loans, LLC?
You can file a complaint against Big Picture Loans, LLC 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 Big Picture Loans, LLC?
The CFPB has recorded complaints against Big Picture Loans, LLC from 49 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~1,275)
Also handles Payday loan
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.