CFPB Consumer Complaint Profile
National Financial LLC
Consumers have filed 58 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 58
- Total complaints
- Mid-range
- 13
- Last 12 months
- 86.2%
- Timely response
- Bottom quartile
- 6
- States affected
The verdict
58 CFPB complaints put National Financial LLC at #1697 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 86.2%, the 13th percentile among companies with 100+ complaints.
- #1697
- of 3,843 companies by volume
- 86.2%
- on time (13th pctile)
- Payday loan, title l…
- most-complained product
- 6
- 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 Financial LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
86.2% Among the lowest higher than 13% 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 |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 4 |
| 2016 | 4 |
| 2017 | 4 |
| 2018 | 3 |
| 2019 | 3 |
| 2020 | 3 |
| 2021 | 2 |
| 2022 | 6 |
| 2023 | 5 |
| 2024 | 7 |
| 2025 | 11 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for National Financial LLC
The CFPB Consumer Complaint Database has logged 58 complaints against National Financial LLC overall, with 13 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Payday loan, title loan, or personal loan," which sits at the top of the product breakdown. 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.
CFPB-forwarded complaints against National Financial LLC draw a 86.2% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 10.3%.
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 Financial LLC have?
58 complaints have been filed against National Financial LLC with the CFPB overall - 13 of them in the past year.
Does National Financial LLC respond to complaints on time?
CFPB complaints against National Financial LLC draw a 86.2% timely-response rate inside the expected window.
What product generates the most complaints for National Financial LLC?
Among all products tied to National Financial LLC, "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Financial LLC?
Consumers most often cite "Struggling to pay your loan" when complaining about National Financial LLC; the full issue list with counts is above.
How do I file a complaint against National Financial LLC?
You can file a complaint against National Financial LLC 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 Financial LLC?
The CFPB has recorded complaints against National Financial LLC from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for National Financial LLC: 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 (0% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does National Financial LLC have?
58 complaints have been filed against National Financial LLC with the CFPB overall - 13 of them in the past year.
Does National Financial LLC respond to complaints on time?
CFPB complaints against National Financial LLC draw a 86.2% timely-response rate inside the expected window.
What product generates the most complaints for National Financial LLC?
Among all products tied to National Financial LLC, "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with National Financial LLC?
Consumers most often cite "Struggling to pay your loan" when complaining about National Financial LLC; the full issue list with counts is above.
How do I file a complaint against National Financial LLC?
You can file a complaint against National Financial LLC 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 Financial LLC?
The CFPB has recorded complaints against National Financial LLC from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.