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FreeNetLaw Consumer Legal Reference

NCP Finance Consumer Complaints

NCP Finance has received 36 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.

Data last updated: Apr 16, 2026

Key Takeaways

  • 36 total complaints on file with the CFPB.
  • Most complaints are about Payday loan, title loan, or personal loan (18).
  • Timely response rate: 91.7%.
  • Consumer disputed rate: 18.2% of resolved complaints.
36 Total complaints
91.7% Timely response rate
18.2% Consumer disputed rate
Payday loan, title loan, or personal loan Most common product

Complaints by Product

The following table shows how complaints against NCP Finance break down by financial product category.

Product Complaints % of Total
Payday loan, title loan, or personal loan 18 50.0%
Debt collection 8 22.2%
Payday loan 5 13.9%
Consumer Loan 3 8.3%
Credit reporting, credit repair services, or other personal consumer reports 1 2.8%
Vehicle loan or lease 1 2.8%

Most Common Issues

These are the specific issues consumers most frequently report about NCP Finance.

Charged fees or interest you didn't expect 9
Struggling to pay your loan 8
Communication tactics 6
Charged fees or interest I didn't expect 3
Applied for loan/did not receive money 1
Attempts to collect debt not owed 1
False statements or representation 1
Incorrect information on your report 1
Managing the loan or lease 1
Payment to acct not credited 1

Company Response Breakdown

When consumers file complaints, NCP Finance responds in one of several ways. The breakdown below shows how NCP Finance has resolved complaints.

Response Count Percentage
Closed with explanation 33 91.7%
Closed 1 2.8%
Closed with monetary relief 1 2.8%
Closed with non-monetary relief 1 2.8%

Complaints by State

Top states where consumers have filed complaints against NCP Finance.

State Complaints
Ohio 26
Texas 8
Kentucky 1

Your Rights

What to do if you have a complaint against NCP Finance

  1. Contact NCP Finance directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
  2. File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
  3. File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
  4. Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.

Frequently Asked Questions

  • How many complaints does NCP Finance have?

    NCP Finance has 36 consumer complaints on file with the CFPB as of our last data refresh.

  • What is the most common complaint about NCP Finance?

    The most common issue reported is Charged fees or interest you didn't expect with 9 complaints.

  • How do I file a complaint against NCP Finance?

    You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.

  • Does NCP Finance respond to complaints on time?

    NCP Finance has a 91.7% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.