CFPB Consumer Complaint Profile
NCP Finance
Behind the 36 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 36
- Total complaints
- Mid-range
- 0
- Last 12 months
- 91.7%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
36 CFPB complaints put NCP Finance at #2143 out of 3,843 financial companies ranked by complaint volume. It posts a 91.7% on-time response rate, the 21st percentile among companies with 100+ complaints.
- #2143
- of 3,843 companies by volume
- 91.7%
- on time (21st pctile)
- Payday loan, title l…
- 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.
NCP Finance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
91.7% Among the lowest higher than 21% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 5 |
| 2016 | 3 |
| 2017 | 6 |
| 2018 | 12 |
| 2019 | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for NCP Finance
NCP Finance carries 36 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 3 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against NCP Finance draw a 91.7% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 18.2% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 5.6%.
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 NCP Finance have?
NCP Finance has 36 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does NCP Finance respond to complaints on time?
NCP Finance's CFPB timely-response rate is 91.7%.
What product generates the most complaints for NCP Finance?
Among all products tied to NCP Finance, "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 NCP Finance?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about NCP Finance; the full issue list with counts is above.
How do I file a complaint against NCP Finance?
You can file a complaint against NCP Finance 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 NCP Finance?
Consumers in 3 states and territories have filed complaints about NCP Finance 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 NCP Finance: 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 (18.2% 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 NCP Finance have?
NCP Finance has 36 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does NCP Finance respond to complaints on time?
NCP Finance's CFPB timely-response rate is 91.7%.
What product generates the most complaints for NCP Finance?
Among all products tied to NCP Finance, "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 NCP Finance?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about NCP Finance; the full issue list with counts is above.
How do I file a complaint against NCP Finance?
You can file a complaint against NCP Finance 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 NCP Finance?
Consumers in 3 states and territories have filed complaints about NCP Finance 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.