CFPB Consumer Complaint Profile
National Finance Company, Inc.
What 31 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 31
- Total complaints
- Mid-range
- 15
- Last 12 months
- 67.7%
- Timely response
- Bottom decile
- 3
- States affected
The verdict
National Finance Company, Inc. ranks #2304 of 3,843 financial companies by CFPB complaint volume, with 31 complaints on record. Its on-time response rate is 67.7%, the 5th percentile among companies with 100+ complaints.
- #2304
- of 3,843 companies by volume
- 67.7%
- on time (5th pctile)
- Debt collection
- most-complained product
- 3
- 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.
National Finance Company, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
67.7% Among the lowest higher than 5% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1 in 2024 to 14 in 2025 (2024 → 2025).
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 |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2020 | 2 |
| 2022 | 4 |
| 2023 | 5 |
| 2024 | 1 |
| 2025 | 14 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Finance Company, Inc.
National Finance Company, Inc. carries 31 complaints in the CFPB's database, 15 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Communication tactics" - 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, National Finance Company, Inc. posts a 67.7% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 50% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 9.7% 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 National Finance Company, Inc. have?
The CFPB has logged 31 complaints against National Finance Company, Inc. to date, of which 15 came in over the last 12 months.
Does National Finance Company, Inc. respond to complaints on time?
CFPB complaints against National Finance Company, Inc. draw a 67.7% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for National Finance Company, Inc.?
The most complained-about product for National Finance Company, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with National Finance Company, Inc.?
Consumers most often cite "Communication tactics" when complaining about National Finance Company, Inc.; the full issue list with counts is above.
How do I file a complaint against National Finance Company, Inc.?
You can file a complaint against National Finance Company, 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 National Finance Company, Inc.?
Consumers in 3 states and territories have filed complaints about National Finance Company, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for National Finance Company, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (50% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does National Finance Company, Inc. have?
The CFPB has logged 31 complaints against National Finance Company, Inc. to date, of which 15 came in over the last 12 months.
Does National Finance Company, Inc. respond to complaints on time?
CFPB complaints against National Finance Company, Inc. draw a 67.7% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for National Finance Company, Inc.?
The most complained-about product for National Finance Company, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with National Finance Company, Inc.?
Consumers most often cite "Communication tactics" when complaining about National Finance Company, Inc.; the full issue list with counts is above.
How do I file a complaint against National Finance Company, Inc.?
You can file a complaint against National Finance Company, 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 National Finance Company, Inc.?
Consumers in 3 states and territories have filed complaints about National Finance Company, 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.