Data / Consumer complaints / Net Pay Advance, Inc. / Payday loan, title loan, personal loan, or advance loan
Net Pay Advance, Inc.: 48 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years
Updated November 7, 2026. Source: CFPB Consumer Complaint Database.
Net Pay Advance, Inc. drew 48 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 68.6% of its 70 complaints in that time. The most common issue was “Received a loan you didn't apply for”. The company responded on time to 100.0% of them, and 6.2% closed with monetary or other relief.
The request: Watch Net Pay Advance, Inc.: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.
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- 48Complaints, last 3 years
- 68.6%Share of the company's complaints
- 100.0%Responded on time
- 6.2%Closed with relief
- Oct 19, 2026Latest received
By period
The three years are cut into 12 month periods ending on the date of the latest data.
| Period | Complaints | Share |
|---|---|---|
| 12 months to Nov 6, 2026 | 24 | 50% |
| 12 months to Nov 6, 2025 | 19 | 39.6% |
| 12 months to Nov 6, 2024 | 5 | 10.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Received a loan you didn't apply for | 12 | 25% |
| Charged fees or interest you didn't expect | 10 | 20.8% |
| Problem with the payoff process at the end of the loan | 5 | 10.4% |
| Struggling to pay your loan | 4 | 8.3% |
| Can't stop withdrawals from your bank account | 3 | 6.2% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 3 | 6.2% |
| Was approved for a loan, but didn't receive the money | 3 | 6.2% |
| Can't contact lender or servicer | 2 | 4.2% |
| Loan payment wasn't credited to your account | 2 | 4.2% |
| Problem when making payments | 2 | 4.2% |
| Problem with additional add-on products or services | 1 | 2.1% |
| Problem with cash advance | 1 | 2.1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 45 | 93.8% |
| Closed with monetary relief | 3 | 6.2% |
States
Where the consumers who complained live, as they gave it to the CFPB.
| State | Complaints | Share |
|---|---|---|
| Texas | 12 | 25% |
| California | 11 | 22.9% |
| Kansas | 7 | 14.6% |
| Missouri | 5 | 10.4% |
| Louisiana | 4 | 8.3% |
| Tennessee | 3 | 6.2% |
| Wisconsin | 2 | 4.2% |
| Ohio | 1 | 2.1% |
| Utah | 1 | 2.1% |
| Virginia | 1 | 2.1% |
Latest 25 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 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 |
| 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 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 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
- All Net Pay Advance, Inc. complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- All consumer complaints
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.