CFPB Consumer Complaint Profile
Onward Credit Holdings, LLC
What 10 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 10
- Total complaints
- Below average
- 0
- Last 12 months
- 90%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
10 CFPB complaints put Onward Credit Holdings, LLC at #3715 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 90%, the 18th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 90%
- on time (18th pctile)
- Payday loan
- 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.
Onward Credit Holdings, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90% Among the lowest higher than 18% 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 |
|---|---|
| 2016 | 2 |
| 2017 | 4 |
| 2018 | 3 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Onward Credit Holdings, LLC
10 complaints against Onward Credit Holdings, LLC appear in the CFPB record, including 0 from the trailing year. The 3 states and territories represented put this footprint in geographically concentrated territory. "Payday loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
Onward Credit Holdings, LLC's timely response rate stands at 90%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 70%.
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 Onward Credit Holdings, LLC have?
Onward Credit Holdings, LLC has 10 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Onward Credit Holdings, LLC respond to complaints on time?
Onward Credit Holdings, LLC's CFPB timely-response rate is 90%.
What product generates the most complaints for Onward Credit Holdings, LLC?
Among all products tied to Onward Credit Holdings, LLC, "Payday loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Onward Credit Holdings, LLC?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Onward Credit Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against Onward Credit Holdings, LLC?
You can file a complaint against Onward Credit Holdings, 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 Onward Credit Holdings, LLC?
Consumers in 3 states and territories have filed complaints about Onward Credit Holdings, LLC 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 Onward Credit Holdings, 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
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Onward Credit Holdings, LLC have?
Onward Credit Holdings, LLC has 10 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Onward Credit Holdings, LLC respond to complaints on time?
Onward Credit Holdings, LLC's CFPB timely-response rate is 90%.
What product generates the most complaints for Onward Credit Holdings, LLC?
Among all products tied to Onward Credit Holdings, LLC, "Payday loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Onward Credit Holdings, LLC?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Onward Credit Holdings, LLC; the full issue list with counts is above.
How do I file a complaint against Onward Credit Holdings, LLC?
You can file a complaint against Onward Credit Holdings, 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 Onward Credit Holdings, LLC?
Consumers in 3 states and territories have filed complaints about Onward Credit Holdings, LLC 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.