CFPB Consumer Complaint Profile
Payday America Inc.
What 17 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
- 17
- Total complaints
- Below average
- 2
- Last 12 months
- 70.6%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Payday America Inc. has accumulated 17 complaints, placing it #3073 by volume. On-time replies land at 70.6%, the 6th percentile for the 100+ complaint peer group.
- #3073
- of 3,843 companies by volume
- 70.6%
- on time (6th pctile)
- Payday loan, title l…
- 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.
Payday America Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
70.6% Among the lowest higher than 6% 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 |
|---|---|
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 3 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 2 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Payday America Inc.
The CFPB Consumer Complaint Database has logged 17 complaints against Payday America Inc. overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 6 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Money was taken from your bank account on the wrong day or for the wrong amount," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Payday America Inc. posts a 70.6% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response at a 40% 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 17.6% 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 Payday America Inc. have?
Payday America Inc. has 17 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Payday America Inc. respond to complaints on time?
CFPB complaints against Payday America Inc. draw a 70.6% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Payday America Inc.?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Payday America Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Payday America Inc.?
"Money was taken from your bank account on the wrong day or for the wrong amount" is the single most frequently cited issue in complaints against Payday America Inc. - see all issues and counts above.
How do I file a complaint against Payday America Inc.?
You can file a complaint against Payday America 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 Payday America Inc.?
Payday America Inc. has drawn CFPB complaints from 6 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 Payday America 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 (40% here).
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Payday America Inc. have?
Payday America Inc. has 17 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does Payday America Inc. respond to complaints on time?
CFPB complaints against Payday America Inc. draw a 70.6% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Payday America Inc.?
"Payday loan, title loan, or personal loan" draws more CFPB complaints against Payday America Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Payday America Inc.?
"Money was taken from your bank account on the wrong day or for the wrong amount" is the single most frequently cited issue in complaints against Payday America Inc. - see all issues and counts above.
How do I file a complaint against Payday America Inc.?
You can file a complaint against Payday America 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 Payday America Inc.?
Payday America Inc. has drawn CFPB complaints from 6 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.