# OM Financial, LLC: 25 CFPB complaints, last 3 years

Updated November 10, 2026.

OM Financial, LLC drew 25 consumer complaints in the CFPB database in the three years to November 9, 2026, and 25 since 2024. The largest group, 22, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 13. The company responded on time to 4.0% of the complaints, and 8.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

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.

- Complaints, last 3 years: 25
- Complaints, all years: 25
- Responded on time: 4.0%
- Closed with relief: 8.0%
- Products: 3
- Latest received: Oct 13, 2026

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 8 |
| 2025 | 13 |
| 2024 | 4 |

## 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](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan) | 22 | 88% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 2 | 8% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 1 | 4% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Charged fees or interest you didn't expect | 13 | 52% |
| Problem with the payoff process at the end of the loan | 2 | 8% |
| Received a loan you didn't apply for | 2 | 8% |
| Attempts to collect debt not owed | 1 | 4% |
| False statements or representation | 1 | 4% |
| Getting a line of credit | 1 | 4% |
| Getting the loan | 1 | 4% |
| Improper use of your report | 1 | 4% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 | 4% |
| Struggling to pay your loan | 1 | 4% |
| Was approved for a loan, but didn't receive the money | 1 | 4% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 23 | 92% |
| Closed with non-monetary relief | 2 | 8% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 5 | 20% |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 3 | 12% |
| [Indiana](https://specstream.ai/data/consumer-complaints/state/indiana) | 3 | 12% |
| [Iowa](https://specstream.ai/data/consumer-complaints/state/iowa) | 2 | 8% |
| [Oklahoma](https://specstream.ai/data/consumer-complaints/state/oklahoma) | 2 | 8% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 2 | 8% |
| [Washington](https://specstream.ai/data/consumer-complaints/state/washington) | 2 | 8% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 1 | 4% |
| [Louisiana](https://specstream.ai/data/consumer-complaints/state/louisiana) | 1 | 4% |
| [Massachusetts](https://specstream.ai/data/consumer-complaints/state/massachusetts) | 1 | 4% |
| [Michigan](https://specstream.ai/data/consumer-complaints/state/michigan) | 1 | 4% |
| [Minnesota](https://specstream.ai/data/consumer-complaints/state/minnesota) | 1 | 4% |
| [New Mexico](https://specstream.ai/data/consumer-complaints/state/new-mexico) | 1 | 4% |

## Latest 25 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29873651) |
| October 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/28791187) |
| September 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/28093234) |
| August 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24908698) |
| June 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23283393) |
| February 3, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19200339) |
| January 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting a line of credit | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18980224) |
| January 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18491091) |
| December 4, 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](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18145070) |
| December 3, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18164599) |
| December 2, 2025 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18132862) |
| November 11, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17172689) |
| October 12, 2025 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16530836) |
| October 1, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16304794) |
| September 24, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16159590) |
| September 18, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16019510) |
| August 29, 2025 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15603762) |
| August 18, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15363365) |
| June 23, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14244925) |
| May 30, 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](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13807203) |
| May 10, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13443109) |
| September 24, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10209779) |
| September 13, 2024 | 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](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10119641) |
| May 3, 2024 | Debt collection | False statements or representation | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8912843) |
| March 29, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8659206) |

## Also on SpecStream

- [Every company with Payday loan, title loan, personal loan, or advance loan complaints](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in California](https://specstream.ai/data/consumer-complaints/state/california)
- [Consumer complaints in Indiana](https://specstream.ai/data/consumer-complaints/state/indiana)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/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](https://creativecommons.org/licenses/by/4.0/).