CFPB Consumer Complaint Profile
Payactiv, Inc.
92 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 92
- Total complaints
- 36
- Last 12 months
- 81.5%
- Timely response
- 25
- States affected
The verdict
92 CFPB complaints put Payactiv, Inc. at #1378 out of 3,848 financial companies ranked by complaint volume. It answers 81.5% of complaints on time - below the 93% median for companies with 100+ complaints.
- #1378
- of 3,848 companies by volume
- 81.5%
- answered on time
- Prepaid card
- most-complained product
- 25
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 7 |
| 2023 | 19 |
| 2024 | 23 |
| 2025 | 35 |
| 2026 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Payactiv, Inc.
92 complaints against Payactiv, Inc. appear in the CFPB record, including 36 from the trailing year. The 25 states and territories represented put this footprint in multi-regional territory. 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.
81.5% of CFPB-forwarded complaints against Payactiv, Inc. get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Of complaints that were resolved, 0% 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~92)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.