CFPB Consumer Complaint Profile
TMX Finance LLC
What 1,229 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
- 1,229
- Total complaints
- Among the highest
- 0
- Last 12 months
- 84.6%
- Timely response
- Bottom quartile
- 34
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, TMX Finance LLC sits at #295, with 1,229 complaints logged. Its on-time response rate is 84.6%, the 12th percentile among companies with 100+ complaints.
- #295
- of 3,843 companies by volume
- 84.6%
- on time (12th pctile)
- Payday loan, title l…
- 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.
TMX Finance LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
84.6% Among the lowest higher than 12% 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 2023 to 2024 complete years
- Annual CFPB complaint volume moved from 387 in 2023 to 2 in 2024 (2023 → 2024).
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 |
|---|---|
| 2013 | 14 |
| 2014 | 93 |
| 2015 | 124 |
| 2016 | 95 |
| 2017 | 91 |
| 2018 | 73 |
| 2019 | 82 |
| 2020 | 100 |
| 2021 | 75 |
| 2022 | 93 |
| 2023 | 387 |
| 2024 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for TMX Finance LLC
TMX Finance LLC carries 1,229 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 34 states and territories have weighed in, giving this a multi-regional footprint. "Payday loan, title loan, or personal loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, TMX Finance LLC posts a 84.6% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 21.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 1.8%.
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 TMX Finance LLC have?
1,229 complaints have been filed against TMX Finance LLC with the CFPB overall - 0 of them in the past year.
Does TMX Finance LLC respond to complaints on time?
TMX Finance LLC has a 84.6% timely response rate to CFPB complaints.
What product generates the most complaints for TMX Finance LLC?
The most complained-about product for TMX Finance LLC 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 TMX Finance LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against TMX Finance LLC - see all issues and counts above.
How do I file a complaint against TMX Finance LLC?
You can file a complaint against TMX Finance LLC 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 TMX Finance LLC?
TMX Finance LLC has drawn CFPB complaints from 34 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 TMX Finance LLC: 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 complaint volume
Nearest companies by total CFPB complaint count (1,229 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.4% 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 TMX Finance LLC have?
1,229 complaints have been filed against TMX Finance LLC with the CFPB overall - 0 of them in the past year.
Does TMX Finance LLC respond to complaints on time?
TMX Finance LLC has a 84.6% timely response rate to CFPB complaints.
What product generates the most complaints for TMX Finance LLC?
The most complained-about product for TMX Finance LLC 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 TMX Finance LLC?
"Charged fees or interest you didn't expect" is the single most frequently cited issue in complaints against TMX Finance LLC - see all issues and counts above.
How do I file a complaint against TMX Finance LLC?
You can file a complaint against TMX Finance LLC 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 TMX Finance LLC?
TMX Finance LLC has drawn CFPB complaints from 34 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.