CFPB Consumer Complaint Profile
Relay Financial (US), Corp.
Consumers have filed 203 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
- 203
- Total complaints
- Above average
- 131
- Last 12 months
- 63.5%
- Timely response
- Bottom decile
- 34
- States affected
The verdict
203 CFPB complaints put Relay Financial (US), Corp. at #918 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 63.5%, the 4th percentile among companies with 100+ complaints.
- #918
- of 3,843 companies by volume
- 63.5%
- on time (4th pctile)
- Checking or savings …
- most-complained product
- 34
- 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.
Relay Financial (US), Corp. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
63.5% Among the lowest higher than 4% 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 45 in 2024 to 107 in 2025 (2024 → 2025).
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 |
|---|---|
| 2023 | 21 |
| 2024 | 45 |
| 2025 | 107 |
| 2026year in progress | 30 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Relay Financial (US), Corp.
Relay Financial (US), Corp. carries 203 complaints in the CFPB's database, 131 of them filed within the past 12 months. Consumers spanning 34 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Relay Financial (US), Corp. posts a 63.5% 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. Among resolved complaints, 2% 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 Relay Financial (US), Corp. have?
The CFPB has logged 203 complaints against Relay Financial (US), Corp. to date, of which 131 came in over the last 12 months.
Does Relay Financial (US), Corp. respond to complaints on time?
Relay Financial (US), Corp. has a 63.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Relay Financial (US), Corp.?
Among all products tied to Relay Financial (US), Corp., "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Relay Financial (US), Corp.?
The most common issue reported by consumers about Relay Financial (US), Corp. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Relay Financial (US), Corp.?
You can file a complaint against Relay Financial (US), Corp. 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 Relay Financial (US), Corp.?
Consumers in 34 states and territories have filed complaints about Relay Financial (US), Corp. 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.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Relay Financial (US), Corp. have?
The CFPB has logged 203 complaints against Relay Financial (US), Corp. to date, of which 131 came in over the last 12 months.
Does Relay Financial (US), Corp. respond to complaints on time?
Relay Financial (US), Corp. has a 63.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Relay Financial (US), Corp.?
Among all products tied to Relay Financial (US), Corp., "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Relay Financial (US), Corp.?
The most common issue reported by consumers about Relay Financial (US), Corp. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Relay Financial (US), Corp.?
You can file a complaint against Relay Financial (US), Corp. 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 Relay Financial (US), Corp.?
Consumers in 34 states and territories have filed complaints about Relay Financial (US), Corp. 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.