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Data / Consumer complaints / Reach Financial LLC

Reach Financial LLC: 64 CFPB consumer complaints in the last 3 years

Reach Financial LLC drew 64 consumer complaints in the CFPB database in the three years to November 6, 2026, and 79 since 2018. The largest group, 17, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Incorrect information on your report” with 7. The company responded on time to 100.0% of the complaints, and 1.6% 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.

  • 64Complaints, last 3 years
  • 79Complaints, all years
  • 100.0%Responded on time
  • 1.6%Closed with relief
  • 5Products
  • Oct 31, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 639
202519
20245
20236
20222
20214
20201
20192
20181

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
Incorrect information on your report710.9%
Charged fees or interest you didn't expect69.4%
Confusing or missing disclosures57.8%
Getting the loan57.8%
Confusing or misleading advertising or marketing46.2%
False statements or representation46.2%
Took or threatened to take negative or legal action46.2%
Improper use of your report34.7%
Problem when making payments34.7%
Problem with a company's investigation into an existing problem34.7%
Unauthorized withdrawals or charges34.7%
Attempts to collect debt not owed23.1%
Charged upfront or unexpected fees23.1%
Communication tactics23.1%
Struggling to pay your loan23.1%
Written notification about debt23.1%
Advertising and marketing, including promotional offers11.6%
Credit monitoring or identity theft protection services11.6%
Didn't provide services promised11.6%
Other features, terms, or problems11.6%
Problem with customer service11.6%
Problem with the payoff process at the end of the loan11.6%
Threatened to contact someone or share information improperly11.6%

How the company responded

Company responseComplaintsShare
Closed with explanation6398.4%
Closed with non-monetary relief11.6%

States

StateComplaintsShare
California1015.6%
Florida69.4%
Georgia57.8%
North Carolina57.8%
Texas57.8%
Illinois46.2%
Pennsylvania46.2%
Arkansas34.7%
Arizona34.7%
New York34.7%
South Carolina34.7%
Alabama23.1%
Massachusetts23.1%
Minnesota23.1%
Kansas11.6%
Maryland11.6%
Missouri11.6%
New Jersey11.6%
Ohio11.6%
Oklahoma11.6%
Virginia11.6%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 31, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 21, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
October 5, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 29, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
September 16, 2026Debt or credit managementUnauthorized withdrawals or chargesClosed with explanationconsumerfinance.gov
August 17, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 15, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
August 10, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
August 4, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
July 22, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
June 29, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 14, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
May 14, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 8, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 30, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
April 23, 2026Credit cardAdvertising and marketing, including promotional offersClosed with explanationconsumerfinance.gov
April 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
April 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 1, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
March 31, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 30, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
March 24, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 3, 2026Debt or credit managementUnauthorized withdrawals or chargesClosed with explanationconsumerfinance.gov
March 1, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
February 20, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
February 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 23, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
January 23, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
January 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 14, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
January 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 26, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
December 23, 2025Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
December 22, 2025Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
November 24, 2025Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
November 14, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 11, 2025Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
September 10, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 11, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 20, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 24, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
April 25, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed 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.