CFPB Consumer Complaint Profile
OM Financial, LLC
Consumers have filed 20 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
- 20
- Total complaints
- Mid-range
- 16
- Last 12 months
- 5%
- Timely response
- Bottom decile
- 12
- States affected
The verdict
OM Financial, LLC ranks #2861 of 3,843 financial companies by CFPB complaint volume, with 20 complaints on record. On-time replies land at 5%, the 0th percentile for the 100+ complaint peer group.
- #2861
- of 3,843 companies by volume
- 5%
- on time (0th pctile)
- Payday loan, title l…
- most-complained product
- 12
- 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.
OM Financial, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
5% Among the lowest in the bottom 1% 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 |
|---|---|
| 2024 | 4 |
| 2025 | 13 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for OM Financial, LLC
OM Financial, LLC carries 20 complaints in the CFPB's database, 16 of them filed within the past 12 months. Consumers spanning 12 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Payday loan, title loan, personal loan, or advance loan," which sits at the top of the product breakdown. Inside that category, "Charged fees or interest you didn't expect" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against OM Financial, LLC draw a 5% reply rate inside the Bureau's 15-day window. 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. Among resolved complaints, 10% 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 OM Financial, LLC have?
The CFPB has logged 20 complaints against OM Financial, LLC to date, of which 16 came in over the last 12 months.
Does OM Financial, LLC respond to complaints on time?
OM Financial, LLC has a 5% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for OM Financial, LLC?
"Payday loan, title loan, personal loan, or advance loan" draws more CFPB complaints against OM Financial, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with OM Financial, LLC?
The most common issue reported by consumers about OM Financial, LLC is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against OM Financial, LLC?
You can file a complaint against OM 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 OM Financial, LLC?
OM Financial, LLC has drawn CFPB complaints from 12 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 OM Financial, LLC have?
The CFPB has logged 20 complaints against OM Financial, LLC to date, of which 16 came in over the last 12 months.
Does OM Financial, LLC respond to complaints on time?
OM Financial, LLC has a 5% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for OM Financial, LLC?
"Payday loan, title loan, personal loan, or advance loan" draws more CFPB complaints against OM Financial, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with OM Financial, LLC?
The most common issue reported by consumers about OM Financial, LLC is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against OM Financial, LLC?
You can file a complaint against OM 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 OM Financial, LLC?
OM Financial, LLC has drawn CFPB complaints from 12 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.