CFPB Consumer Complaint Profile
ClarityPay, Inc.
Behind the 10 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 10
- Total complaints
- Below average
- 10
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, ClarityPay, Inc. has accumulated 10 complaints, placing it #3715 by volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 8
- states with complaints
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.
ClarityPay, 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
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 |
|---|---|
| 2025 | 3 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for ClarityPay, Inc.
ClarityPay, Inc. carries 10 complaints in the CFPB's database, 10 of them filed within the past 12 months. Consumers spanning 8 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," 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 "Problem when making payments" - 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, ClarityPay, Inc. posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, the consumer-relief closure rate is 0%.
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.
Frequently Asked Questions
How many CFPB complaints does ClarityPay, Inc. have?
10 complaints have been filed against ClarityPay, Inc. with the CFPB overall - 10 of them in the past year.
Does ClarityPay, Inc. respond to complaints on time?
ClarityPay, Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for ClarityPay, Inc.?
Among all products tied to ClarityPay, Inc., "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with ClarityPay, Inc.?
Consumers most often cite "Problem when making payments" when complaining about ClarityPay, Inc.; the full issue list with counts is above.
How do I file a complaint against ClarityPay, Inc.?
You can file a complaint against ClarityPay, 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 ClarityPay, Inc.?
Consumers in 8 states and territories have filed complaints about ClarityPay, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.