CFPB Consumer Complaint Profile
Net Pay Advance, Inc.
Consumers have filed 71 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
- 71
- Total complaints
- Mid-range
- 29
- Last 12 months
- 98.6%
- Timely response
- Above median
- 10
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Net Pay Advance, Inc. has accumulated 71 complaints, placing it #1553 by volume. It posts a 98.6% on-time response rate, the 55th percentile among companies with 100+ complaints.
- #1553
- of 3,843 companies by volume
- 98.6%
- on time (55th pctile)
- Payday loan, title l…
- most-complained product
- 10
- 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.
Net Pay Advance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.6% Higher than most higher than 55% 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 13 in 2024 to 25 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 | 3 |
| 2018 | 6 |
| 2019 | 2 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 4 |
| 2023 | 5 |
| 2024 | 13 |
| 2025 | 25 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Net Pay Advance, Inc.
Net Pay Advance, Inc. carries 71 complaints in the CFPB's database, 29 of them filed within the past 12 months. Consumers spanning 10 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Payday loan, title loan, personal loan, or advance 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 "Received a loan you didn't apply for" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Net Pay Advance, Inc. draw a 98.6% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. 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, 19.7% 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 Net Pay Advance, Inc. have?
Net Pay Advance, Inc. has 71 total consumer complaints filed with the CFPB, with 29 filed in the last 12 months.
Does Net Pay Advance, Inc. respond to complaints on time?
CFPB complaints against Net Pay Advance, Inc. draw a 98.6% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Net Pay Advance, Inc.?
Among all products tied to Net Pay Advance, Inc., "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Net Pay Advance, Inc.?
The most common issue reported by consumers about Net Pay Advance, Inc. is "Received a loan you didn't apply for." All complaint issues are listed above with their counts.
How do I file a complaint against Net Pay Advance, Inc.?
You can file a complaint against Net Pay Advance, 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 Net Pay Advance, Inc.?
The CFPB has recorded complaints against Net Pay Advance, Inc. from 10 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 Net Pay Advance, 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 (0% here).
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 Net Pay Advance, Inc. have?
Net Pay Advance, Inc. has 71 total consumer complaints filed with the CFPB, with 29 filed in the last 12 months.
Does Net Pay Advance, Inc. respond to complaints on time?
CFPB complaints against Net Pay Advance, Inc. draw a 98.6% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Net Pay Advance, Inc.?
Among all products tied to Net Pay Advance, Inc., "Payday loan, title loan, personal loan, or advance loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Net Pay Advance, Inc.?
The most common issue reported by consumers about Net Pay Advance, Inc. is "Received a loan you didn't apply for." All complaint issues are listed above with their counts.
How do I file a complaint against Net Pay Advance, Inc.?
You can file a complaint against Net Pay Advance, 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 Net Pay Advance, Inc.?
The CFPB has recorded complaints against Net Pay Advance, Inc. from 10 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.