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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 29 |
| 2025 | 25 |
| 2024 | 13 |
| 2023 | 5 |
| 2022 | 4 |
| 2021 | 2 |
| 2020 | 1 |
| 2019 | 2 |
| 2018 | 6 |
| 2017 | 3 |
| 2016 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 48 | 68.6% |
| Debt collection | 20 | 28.6% |
| Credit reporting or other personal consumer reports | 2 | 2.9% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Received a loan you didn't apply for | 12 | 17.1% |
| Charged fees or interest you didn't expect | 10 | 14.3% |
| Attempts to collect debt not owed | 7 | 10% |
| Problem with the payoff process at the end of the loan | 5 | 7.1% |
| Struggling to pay your loan | 4 | 5.7% |
| Took or threatened to take negative or legal action | 4 | 5.7% |
| Can't stop withdrawals from your bank account | 3 | 4.3% |
| Electronic communications | 3 | 4.3% |
| False statements or representation | 3 | 4.3% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 3 | 4.3% |
| Was approved for a loan, but didn't receive the money | 3 | 4.3% |
| Written notification about debt | 3 | 4.3% |
| Can't contact lender or servicer | 2 | 2.9% |
| Loan payment wasn't credited to your account | 2 | 2.9% |
| Problem when making payments | 2 | 2.9% |
| Credit monitoring or identity theft protection services | 1 | 1.4% |
| Improper use of your report | 1 | 1.4% |
| Problem with additional add-on products or services | 1 | 1.4% |
| Problem with cash advance | 1 | 1.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 65 | 92.9% |
| Closed with monetary relief | 5 | 7.1% |
States
| State | Complaints | Share |
|---|---|---|
| California | 20 | 28.6% |
| Texas | 20 | 28.6% |
| Kansas | 7 | 10% |
| Missouri | 6 | 8.6% |
| Louisiana | 5 | 7.1% |
| Tennessee | 4 | 5.7% |
| Utah | 2 | 2.9% |
| Wisconsin | 2 | 2.9% |
| Ohio | 1 | 1.4% |
| South Carolina | 1 | 1.4% |
| Virginia | 1 | 1.4% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| August 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with monetary relief | consumerfinance.gov |
| August 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| July 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| June 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| June 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with cash advance | Closed with explanation | consumerfinance.gov |
| June 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| June 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Was approved for a loan, but didn't receive the money | Closed with monetary relief | consumerfinance.gov |
| June 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Money was taken from your bank account on the wrong day or for the wrong amount | Closed with explanation | consumerfinance.gov |
| May 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Was approved for a loan, but didn't receive the money | Closed with explanation | consumerfinance.gov |
| May 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| April 9, 2026 | Debt collection | Attempts to collect debt not owed | Closed with monetary relief | consumerfinance.gov |
| April 6, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 5, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| February 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| February 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Money was taken from your bank account on the wrong day or for the wrong amount | Closed with explanation | consumerfinance.gov |
| February 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| February 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| January 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| January 29, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| January 27, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| January 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| January 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| December 29, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| October 24, 2025 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with explanation | consumerfinance.gov |
| October 23, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 21, 2025 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| September 30, 2025 | Payday loan, title loan, personal loan, or advance loan | Was approved for a loan, but didn't receive the money | Closed with explanation | consumerfinance.gov |
| September 17, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 16, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 14, 2025 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| August 7, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| July 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 2, 2025 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| June 25, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 17, 2025 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| May 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| May 13, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 13, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| April 23, 2025 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| April 21, 2025 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| March 27, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| March 26, 2025 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| February 21, 2025 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Consumer complaints in California
- Consumer complaints in Texas
- Consumer complaints in Kansas
- All consumer complaints
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.