Personal, payday and title loans
LendingPoint: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 56
- Closed with money back
- 4
- 2023 to 2025
- 15 to 22
LendingPoint received 409 complaints from everyone in the window; 56 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Incorrect information on your report". 4 of the 56 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 15 in 2023 to 22 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 22 |
| Credit reporting or other personal consumer reports | 13 |
| Debt collection | 12 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Payday loan, title loan, or personal loan | 3 |
By issue
| Incorrect information on your report | 11 |
| Improper use of your report | 7 |
| Attempts to collect debt not owed | 5 |
| Charged fees or interest you didn't expect | 5 |
| Struggling to pay your loan | 5 |
| 2023: 15 | 2024: 19 | 2025: 22 |
Which accounts, specifically
| Installment loan | 20 |
| Credit reporting | 19 |
| Personal line of credit | 5 |
| Other debt | 5 |
| I do not know | 2 |
What went wrong, specifically
| Account information incorrect | 6 |
| Reporting company used your report improperly | 6 |
| Account status incorrect | 4 |
| Billing dispute for services | 2 |
| Credit inquiries on your report that you don't recognize | 2 |
Busiest month: October 2024, with 6 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6), GA (5), IL (5) , then VA, FL, NC.
How LendingPoint answered
| Closed with explanation | 46 |
| Closed with non-monetary relief | 6 |
| Closed with monetary relief | 4 |
LendingPoint responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. MD, 2024-08-26. Outcome: Closed with explanation. Complaint 9928436
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Payday loan, title loan, personal loan, or advance loan; Incorrect information on your report. FL, 2024-08-21. Outcome: Closed with non-monetary relief. Complaint 9879187
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. IL, 2024-08-12. Outcome: Closed with explanation. Complaint 9774800
If this is your problem at LendingPoint
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- Greensky Operations 61 servicemember complaints; 1 with money back
- American First Finance 51 servicemember complaints; 9 with money back
- Wheels Financial 51 servicemember complaints; 0 with money back
- Credit Fresh 62 servicemember complaints; 0 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
Next in the directory by volume: Cng Financial, World Omni Financial, Amerisave Mortgage.
Frequently asked questions
How many complaints did servicemembers file against LendingPoint?
56 complaints tagged servicemember were received by the CFPB about LendingPoint Holdings LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 15 in 2023 to 22 in 2025.
What do servicemembers complain about most at LendingPoint?
Payday loan, title loan, personal loan, or advance loan accounts for 22 of the 56 complaints, and the most common issue is "Incorrect information on your report" (11). Next: "Improper use of your report" (7).
Does LendingPoint give money back when a servicemember complains?
4 of the 56 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 6 closed with non-monetary relief and 46 closed with an explanation only. LendingPoint answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.