CFPB Consumer Complaint Profile
Instarem PTE Limited
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 22
- Total complaints
- Mid-range
- 1
- Last 12 months
- 86.4%
- Timely response
- Bottom quartile
- 10
- States affected
The verdict
By CFPB complaint volume, Instarem PTE Limited is #2732 out of 3,843 financial companies. On response speed it sits at the 14th percentile among companies with 100+ complaints.
- Money transfer, virt…
- most-complained product
- GA
- 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.
Instarem PTE Limited vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
86.4% Among the lowest higher than 14% 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 |
|---|---|
| 2019 | 7 |
| 2020 | 2 |
| 2021 | 5 |
| 2022 | 2 |
| 2023 | 2 |
| 2024 | 3 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Instarem PTE Limited
Instarem PTE Limited draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Money transfer, virtual currency, or money service," which sits at the top of the product breakdown. Inside that category, "Confusing or missing disclosures" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. 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 Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Instarem PTE Limited have?
The CFPB has logged 22 complaints against Instarem PTE Limited to date, of which 1 came in over the last 12 months.
Does Instarem PTE Limited respond to complaints on time?
CFPB complaints against Instarem PTE Limited draw a 86.4% timely-response rate inside the expected window.
What product generates the most complaints for Instarem PTE Limited?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Instarem PTE Limited than any other product - see the full breakdown above.
What is the most common complaint issue with Instarem PTE Limited?
"Confusing or missing disclosures" is the single most frequently cited issue in complaints against Instarem PTE Limited - see all issues and counts above.
How do I file a complaint against Instarem PTE Limited?
You can file a complaint against Instarem PTE Limited 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 Instarem PTE Limited?
Instarem PTE Limited has drawn CFPB complaints from 10 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.