CFPB Consumer Complaint Profile
Tan Oak Financial
Behind the 10 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
- 10
- Total complaints
- Below average
- 3
- Last 12 months
- 70%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Tan Oak Financial has accumulated 10 complaints, placing it #3715 by volume. It posts a 70% on-time response rate, the 6th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 70%
- on time (6th pctile)
- Debt collection
- 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.
Tan Oak Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
70% 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 |
|---|---|
| 2018 | 2 |
| 2020 | 2 |
| 2024 | 3 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Tan Oak Financial
10 complaints against Tan Oak Financial appear in the CFPB record, including 3 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Took or threatened to take negative or legal action" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Tan Oak Financial's timely response rate stands at 70%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 10% 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 Tan Oak Financial have?
10 complaints have been filed against Tan Oak Financial with the CFPB overall - 3 of them in the past year.
Does Tan Oak Financial respond to complaints on time?
Tan Oak Financial's CFPB timely-response rate is 70%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Tan Oak Financial?
"Debt collection" draws more CFPB complaints against Tan Oak Financial than any other product - see the full breakdown above.
What is the most common complaint issue with Tan Oak Financial?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Tan Oak Financial; the full issue list with counts is above.
How do I file a complaint against Tan Oak Financial?
You can file a complaint against Tan Oak Financial 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 Tan Oak Financial?
The CFPB has recorded complaints against Tan Oak Financial from 6 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Tan Oak Financial have?
10 complaints have been filed against Tan Oak Financial with the CFPB overall - 3 of them in the past year.
Does Tan Oak Financial respond to complaints on time?
Tan Oak Financial's CFPB timely-response rate is 70%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Tan Oak Financial?
"Debt collection" draws more CFPB complaints against Tan Oak Financial than any other product - see the full breakdown above.
What is the most common complaint issue with Tan Oak Financial?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Tan Oak Financial; the full issue list with counts is above.
How do I file a complaint against Tan Oak Financial?
You can file a complaint against Tan Oak Financial 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 Tan Oak Financial?
The CFPB has recorded complaints against Tan Oak Financial from 6 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.