CFPB Consumer Complaint Profile
Paid in Full, Inc.
Consumers have filed 31 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
- 31
- Total complaints
- Mid-range
- 9
- Last 12 months
- 96.8%
- Timely response
- Below median
- 6
- States affected
The verdict
Paid in Full, Inc. ranks #2304 of 3,843 financial companies by CFPB complaint volume, with 31 complaints on record. It posts a 96.8% on-time response rate, the 38th percentile among companies with 100+ complaints.
- #2304
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Debt collection
- most-complained product
- 6
- 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.
Paid in Full, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% 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 | 1 |
| 2015 | 2 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 4 |
| 2020 | 4 |
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 2 |
| 2025 | 9 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Paid in Full, Inc.
Paid in Full, Inc. carries 31 complaints in the CFPB's database, 9 of them filed within the past 12 months. Consumers spanning 6 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," 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 "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Paid in Full, Inc. posts a 96.8% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 12.9%.
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 Paid in Full, Inc. have?
Paid in Full, Inc. has 31 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Paid in Full, Inc. respond to complaints on time?
Paid in Full, Inc. has a 96.8% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Paid in Full, Inc.?
The most complained-about product for Paid in Full, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Paid in Full, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Paid in Full, Inc. - see all issues and counts above.
How do I file a complaint against Paid in Full, Inc.?
You can file a complaint against Paid in Full, 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 Paid in Full, Inc.?
Consumers in 6 states and territories have filed complaints about Paid in Full, Inc. 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 Paid in Full, 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 (20% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Paid in Full, Inc. have?
Paid in Full, Inc. has 31 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Paid in Full, Inc. respond to complaints on time?
Paid in Full, Inc. has a 96.8% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Paid in Full, Inc.?
The most complained-about product for Paid in Full, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Paid in Full, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Paid in Full, Inc. - see all issues and counts above.
How do I file a complaint against Paid in Full, Inc.?
You can file a complaint against Paid in Full, 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 Paid in Full, Inc.?
Consumers in 6 states and territories have filed complaints about Paid in Full, Inc. 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.