CFPB Consumer Complaint Profile
Payactiv, Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 92
- Total complaints
- Mid-range
- 36
- Last 12 months
- 81.5%
- Timely response
- Bottom quartile
- 25
- States affected
The verdict
By CFPB complaint volume, Payactiv, Inc. is #1376 out of 3,843 financial companies. On response speed it sits at the 10th percentile among companies with 100+ complaints.
- Prepaid card
- most-complained product
- TX
- state with the most 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.
Payactiv, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81.5% Among the lowest higher than 10% 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 23 in 2024 to 35 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 7 |
| 2023 | 19 |
| 2024 | 23 |
| 2025 | 35 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Payactiv, Inc.
In the CFPB record, Payactiv, Inc. has a multi-regional complaint footprint. The single largest complaint category is "Prepaid card," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Prepaid card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Payactiv, Inc. have?
92 complaints have been filed against Payactiv, Inc. with the CFPB overall - 36 of them in the past year.
Does Payactiv, Inc. respond to complaints on time?
Payactiv, Inc.'s CFPB timely-response rate is 81.5%.
What product generates the most complaints for Payactiv, Inc.?
"Prepaid card" draws more CFPB complaints against Payactiv, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Payactiv, Inc.?
The most common issue reported by consumers about Payactiv, Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Payactiv, Inc.?
You can file a complaint against Payactiv, 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 Payactiv, Inc.?
Consumers in 25 states and territories have filed complaints about Payactiv, 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.