CFPB Consumer Complaint Profile
SB Holdings, Inc.
Behind the 18 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 18
- Total complaints
- Below average
- 4
- Last 12 months
- 72.2%
- Timely response
- Bottom decile
- 11
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, SB Holdings, Inc. sits at #3004, with 18 complaints logged. On-time replies land at 72.2%, the 6th percentile for the 100+ complaint peer group.
- #3004
- of 3,843 companies by volume
- 72.2%
- on time (6th pctile)
- Payday loan, title l…
- most-complained product
- 11
- 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.
SB Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
72.2% 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 | 2 |
| 2017 | 3 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 3 |
| 2021 | 1 |
| 2025 | 2 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for SB Holdings, Inc.
The CFPB Consumer Complaint Database has logged 18 complaints against SB Holdings, Inc. overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 11 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. Inside that category, "Managing the loan or lease" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against SB Holdings, Inc. draw a 72.2% reply rate inside the Bureau's 15-day window. 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 25% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 27.8% 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 SB Holdings, Inc. have?
The CFPB has logged 18 complaints against SB Holdings, Inc. to date, of which 4 came in over the last 12 months.
Does SB Holdings, Inc. respond to complaints on time?
SB Holdings, Inc.'s CFPB timely-response rate is 72.2%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for SB Holdings, Inc.?
The most complained-about product for SB Holdings, Inc. is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with SB Holdings, Inc.?
The most common issue reported by consumers about SB Holdings, Inc. is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against SB Holdings, Inc.?
You can file a complaint against SB Holdings, 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 SB Holdings, Inc.?
The CFPB has recorded complaints against SB Holdings, Inc. from 11 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for SB Holdings, 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 (25% 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 SB Holdings, Inc. have?
The CFPB has logged 18 complaints against SB Holdings, Inc. to date, of which 4 came in over the last 12 months.
Does SB Holdings, Inc. respond to complaints on time?
SB Holdings, Inc.'s CFPB timely-response rate is 72.2%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for SB Holdings, Inc.?
The most complained-about product for SB Holdings, Inc. is "Payday loan, title loan, or personal loan." You can view the full product breakdown on this page.
What is the most common complaint issue with SB Holdings, Inc.?
The most common issue reported by consumers about SB Holdings, Inc. is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against SB Holdings, Inc.?
You can file a complaint against SB Holdings, 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 SB Holdings, Inc.?
The CFPB has recorded complaints against SB Holdings, Inc. from 11 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.