CFPB Consumer Complaint Profile
JAN (LendUSA) Holdings, Inc.
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
- 24
- Total complaints
- Mid-range
- 1
- Last 12 months
- 41.7%
- Timely response
- Bottom decile
- 11
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, JAN (LendUSA) Holdings, Inc. places #2628 by volume. For answering complaints on time it stands at the 2nd percentile in the 100+ complaint peer group.
- Mortgage
- most-complained product
- CA
- 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.
JAN (LendUSA) Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
41.7% Among the lowest higher than 2% 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 | 4 |
| 2019 | 4 |
| 2020 | 5 |
| 2021 | 5 |
| 2022 | 2 |
| 2023 | 2 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for JAN (LendUSA) Holdings, Inc.
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for JAN (LendUSA) Holdings, Inc., with consumers across the country filing against it. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Closing on a mortgage" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
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 is far under the 95% benchmark, a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. 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 Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does JAN (LendUSA) Holdings, Inc. have?
The CFPB has logged 24 complaints against JAN (LendUSA) Holdings, Inc. to date, of which 1 came in over the last 12 months.
Does JAN (LendUSA) Holdings, Inc. respond to complaints on time?
CFPB complaints against JAN (LendUSA) Holdings, Inc. draw a 41.7% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for JAN (LendUSA) Holdings, Inc.?
Among all products tied to JAN (LendUSA) Holdings, Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with JAN (LendUSA) Holdings, Inc.?
The most common issue reported by consumers about JAN (LendUSA) Holdings, Inc. is "Closing on a mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against JAN (LendUSA) Holdings, Inc.?
You can file a complaint against JAN (LendUSA) 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 JAN (LendUSA) Holdings, Inc.?
JAN (LendUSA) Holdings, Inc. has drawn CFPB complaints from 11 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.