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Data / Consumer complaints / Net Pay Advance, Inc.

Net Pay Advance, Inc.: 70 CFPB consumer complaints in the last 3 years

Net Pay Advance, Inc. drew 70 consumer complaints in the CFPB database in the three years to November 6, 2026, and 91 since 2016. The largest group, 48, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Received a loan you didn't apply for” with 12. The company responded on time to 100.0% of the complaints, and 7.1% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 70Complaints, last 3 years
  • 91Complaints, all years
  • 100.0%Responded on time
  • 7.1%Closed with relief
  • 3Products
  • Oct 19, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 629
202525
202413
20235
20224
20212
20201
20192
20186
20173
20161

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Received a loan you didn't apply for1217.1%
Charged fees or interest you didn't expect1014.3%
Attempts to collect debt not owed710%
Problem with the payoff process at the end of the loan57.1%
Struggling to pay your loan45.7%
Took or threatened to take negative or legal action45.7%
Can't stop withdrawals from your bank account34.3%
Electronic communications34.3%
False statements or representation34.3%
Money was taken from your bank account on the wrong day or for the wrong amount34.3%
Was approved for a loan, but didn't receive the money34.3%
Written notification about debt34.3%
Can't contact lender or servicer22.9%
Loan payment wasn't credited to your account22.9%
Problem when making payments22.9%
Credit monitoring or identity theft protection services11.4%
Improper use of your report11.4%
Problem with additional add-on products or services11.4%
Problem with cash advance11.4%

How the company responded

Company responseComplaintsShare
Closed with explanation6592.9%
Closed with monetary relief57.1%

States

StateComplaintsShare
California2028.6%
Texas2028.6%
Kansas710%
Missouri68.6%
Louisiana57.1%
Tennessee45.7%
Utah22.9%
Wisconsin22.9%
Ohio11.4%
South Carolina11.4%
Virginia11.4%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 19, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
September 30, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 8, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
August 15, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with monetary reliefconsumerfinance.gov
August 7, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
July 31, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
June 12, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
June 11, 2026Payday loan, title loan, personal loan, or advance loanProblem with cash advanceClosed with explanationconsumerfinance.gov
June 10, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
June 9, 2026Payday loan, title loan, personal loan, or advance loanWas approved for a loan, but didn't receive the moneyClosed with monetary reliefconsumerfinance.gov
June 1, 2026Payday loan, title loan, personal loan, or advance loanMoney was taken from your bank account on the wrong day or for the wrong amountClosed with explanationconsumerfinance.gov
May 28, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 28, 2026Payday loan, title loan, personal loan, or advance loanWas approved for a loan, but didn't receive the moneyClosed with explanationconsumerfinance.gov
May 28, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
May 27, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
April 9, 2026Debt collectionAttempts to collect debt not owedClosed with monetary reliefconsumerfinance.gov
April 6, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 26, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
February 21, 2026Payday loan, title loan, personal loan, or advance loanMoney was taken from your bank account on the wrong day or for the wrong amountClosed with explanationconsumerfinance.gov
February 13, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
February 10, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
January 31, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
January 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 27, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
January 8, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
January 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
December 29, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
October 24, 2025Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
October 23, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 21, 2025Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
September 30, 2025Payday loan, title loan, personal loan, or advance loanWas approved for a loan, but didn't receive the moneyClosed with explanationconsumerfinance.gov
September 17, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 16, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 14, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
August 7, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 26, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 2, 2025Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
June 25, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 17, 2025Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
May 26, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 13, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 13, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 23, 2025Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
April 21, 2025Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
March 27, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 26, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
February 21, 2025Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.