CFPB Consumer Complaint Profile
On Q Financial
Behind the 54 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
- 54
- Total complaints
- Mid-range
- 2
- Last 12 months
- 96.3%
- Timely response
- Below median
- 15
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, On Q Financial sits at #1757, with 54 complaints logged. It posts a 96.3% on-time response rate, the 35th percentile among companies with 100+ complaints.
- #1757
- of 3,843 companies by volume
- 96.3%
- on time (35th pctile)
- Mortgage
- most-complained product
- 15
- 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.
On Q Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.3% Around the middle higher than 35% 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 | 1 |
| 2016 | 2 |
| 2017 | 2 |
| 2018 | 3 |
| 2020 | 6 |
| 2021 | 9 |
| 2022 | 15 |
| 2023 | 10 |
| 2024 | 1 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for On Q Financial
54 complaints against On Q Financial appear in the CFPB record, including 2 from the trailing year. The 15 states and territories represented put this footprint in multi-regional territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
On Q Financial's timely response rate stands at 96.3%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 28.6% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 14.8% rate.
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 On Q Financial have?
The CFPB has logged 54 complaints against On Q Financial to date, of which 2 came in over the last 12 months.
Does On Q Financial respond to complaints on time?
CFPB complaints against On Q Financial draw a 96.3% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for On Q Financial?
The most complained-about product for On Q Financial is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with On Q Financial?
Consumers most often cite "Trouble during payment process" when complaining about On Q Financial; the full issue list with counts is above.
How do I file a complaint against On Q Financial?
You can file a complaint against On Q Financial 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 On Q Financial?
On Q Financial has drawn CFPB complaints from 15 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for On Q Financial: 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 (28.6% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does On Q Financial have?
The CFPB has logged 54 complaints against On Q Financial to date, of which 2 came in over the last 12 months.
Does On Q Financial respond to complaints on time?
CFPB complaints against On Q Financial draw a 96.3% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for On Q Financial?
The most complained-about product for On Q Financial is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with On Q Financial?
Consumers most often cite "Trouble during payment process" when complaining about On Q Financial; the full issue list with counts is above.
How do I file a complaint against On Q Financial?
You can file a complaint against On Q Financial 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 On Q Financial?
On Q Financial has drawn CFPB complaints from 15 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.