CFPB Consumer Complaint Profile
Modoc Tribe Financial Services Authority
15 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 15
- Total complaints
- Below average
- 1
- Last 12 months
- 100%
- Timely response
- Top decile
- 9
- States affected
The verdict
15 CFPB complaints put Modoc Tribe Financial Services Authority at #3232 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3232
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 9
- states with 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.
Modoc Tribe Financial Services Authority 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 1 |
| 2022 | 2 |
| 2023 | 7 |
| 2024 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Modoc Tribe Financial Services Authority
15 complaints against Modoc Tribe Financial Services Authority appear in the CFPB record, including 1 from the trailing year. The 9 states and territories represented put this footprint in geographically concentrated territory. "Payday loan, title loan, personal loan, or advance loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Struggling to pay your loan" - 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, Modoc Tribe Financial Services Authority posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
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 Modoc Tribe Financial Services Authority have?
15 complaints have been filed against Modoc Tribe Financial Services Authority with the CFPB overall - 1 of them in the past year.
Does Modoc Tribe Financial Services Authority respond to complaints on time?
CFPB complaints against Modoc Tribe Financial Services Authority draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Modoc Tribe Financial Services Authority?
"Payday loan, title loan, personal loan, or advance loan" draws more CFPB complaints against Modoc Tribe Financial Services Authority than any other product - see the full breakdown above.
What is the most common complaint issue with Modoc Tribe Financial Services Authority?
The most common issue reported by consumers about Modoc Tribe Financial Services Authority is "Struggling to pay your loan." All complaint issues are listed above with their counts.
How do I file a complaint against Modoc Tribe Financial Services Authority?
You can file a complaint against Modoc Tribe Financial Services Authority 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 Modoc Tribe Financial Services Authority?
Modoc Tribe Financial Services Authority has drawn CFPB complaints from 9 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.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Modoc Tribe Financial Services Authority have?
15 complaints have been filed against Modoc Tribe Financial Services Authority with the CFPB overall - 1 of them in the past year.
Does Modoc Tribe Financial Services Authority respond to complaints on time?
CFPB complaints against Modoc Tribe Financial Services Authority draw a 100% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Modoc Tribe Financial Services Authority?
"Payday loan, title loan, personal loan, or advance loan" draws more CFPB complaints against Modoc Tribe Financial Services Authority than any other product - see the full breakdown above.
What is the most common complaint issue with Modoc Tribe Financial Services Authority?
The most common issue reported by consumers about Modoc Tribe Financial Services Authority is "Struggling to pay your loan." All complaint issues are listed above with their counts.
How do I file a complaint against Modoc Tribe Financial Services Authority?
You can file a complaint against Modoc Tribe Financial Services Authority 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 Modoc Tribe Financial Services Authority?
Modoc Tribe Financial Services Authority has drawn CFPB complaints from 9 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.