CFPB Consumer Complaint Profile
Point Digital Finance, Inc.
What 39 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
- 39
- Total complaints
- Mid-range
- 12
- Last 12 months
- 100%
- Timely response
- Top decile
- 15
- States affected
The verdict
Point Digital Finance, Inc. ranks #2072 of 3,843 financial companies by CFPB complaint volume, with 39 complaints on record. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #2072
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Mortgage
- most-complained product
- 15
- 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.
Point Digital Finance, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 7 |
| 2023 | 2 |
| 2024 | 13 |
| 2025 | 11 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Point Digital Finance, Inc.
Point Digital Finance, Inc. carries 39 complaints in the CFPB's database, 12 of them filed within the past 12 months. Consumers spanning 15 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. The specific issue named most within that category is "Applying for a mortgage or refinancing an existing mortgage," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Point Digital Finance, Inc. posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 2.6% 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, 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 Point Digital Finance, Inc. have?
Point Digital Finance, Inc. has 39 total consumer complaints filed with the CFPB, with 12 filed in the last 12 months.
Does Point Digital Finance, Inc. respond to complaints on time?
Point Digital Finance, Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Point Digital Finance, Inc.?
"Mortgage" draws more CFPB complaints against Point Digital Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Point Digital Finance, Inc.?
The most common issue reported by consumers about Point Digital Finance, Inc. is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Point Digital Finance, Inc.?
You can file a complaint against Point Digital Finance, 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 Point Digital Finance, Inc.?
Point Digital Finance, Inc. has drawn CFPB complaints from 15 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.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Point Digital Finance, Inc. have?
Point Digital Finance, Inc. has 39 total consumer complaints filed with the CFPB, with 12 filed in the last 12 months.
Does Point Digital Finance, Inc. respond to complaints on time?
Point Digital Finance, Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Point Digital Finance, Inc.?
"Mortgage" draws more CFPB complaints against Point Digital Finance, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Point Digital Finance, Inc.?
The most common issue reported by consumers about Point Digital Finance, Inc. is "Applying for a mortgage or refinancing an existing mortgage." All complaint issues are listed above with their counts.
How do I file a complaint against Point Digital Finance, Inc.?
You can file a complaint against Point Digital Finance, 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 Point Digital Finance, Inc.?
Point Digital Finance, Inc. has drawn CFPB complaints from 15 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.