Which Car Title Loan Companies Get the Most CFPB Complaints
Original analysis of 889 records from the CFPB, 2015–2025 (calendar years, date received by the CFPB); ranking: calendar year 2025. Published October 23, 2026.
We counted all 889 title loan complaints the CFPB received in 2025 and published, ranked every company named in them and traced each lender back to 2015.
What the title loan complaint records show
CCF Intermediate Holdings LLC was named in 274 of the 889 title loan complaints the CFPB received in 2025 and published, or 30.8%, more than any other company. OneMain Finance Corporation followed with 185. Complaints naming the CCF entity rose after CCF Holdings acquired TitleMax's parent, TMX Finance, in 2023; TMX Finance had been the most-named title loan company every year from 2015 through 2023.
- 31%2025 title loan complaints naming CCF
- 889Published title loan complaints the CFPB received in 2025
- 4592025 complaints naming CCF or OneMain
CCF leads the 2025 ranking
CCF Intermediate Holdings LLC was named in 274 title loan complaints in 2025, 4.7× as many as the third-ranked company, WHEELS FINANCIAL GROUP, LLC. (58).
Two companies, half the complaints
CCF and OneMain Finance Corporation together drew 459 complaints, 51.6% of the total. In all, 126 companies were named in 2025 title loan complaints, 71 of them only once.
The TitleMax name moved to CCF
TMX Finance LLC, TitleMax's parent, was named in 305 title loan complaints in 2023 and in 2 in 2024. Over the same two years, complaints naming CCF Intermediate Holdings rose from 9 to 205, after CCF Holdings acquired TMX Finance in 2023.
Most complaints of any full year since 2015
The 889 published title loan complaints received in 2025 were 5.0× the 177 of 2015 and 32.9% more than in 2024.
Monetary relief was rare
Companies closed 18 of the 889 complaints with monetary relief (2.0%). CCF closed all of its 274 complaints with an explanation and none with monetary or non-monetary relief.
OneMain ahead so far in 2026
From January through September 2026 the CFPB received 752 title loan complaints, 14.5% more than in the same months of 2025. OneMain was named in 188 of them and CCF in 178.
Quote this finding
CCF Intermediate Holdings LLC was named in 274 of the 889 title loan complaints the CFPB received in 2025 and published, or 30.8%, more than any other company. Source: Settlement Insight, Title loan complaints by lender
Which Title Loan Company Got the Most CFPB Complaints in 2025
The ranking lists every company named in a title loan complaint the CFPB received in 2025. Company names appear exactly as the CFPB records them.
CCF Intermediate Holdings LLC drew the most title loan complaints in 2025 (274), followed by OneMain Finance Corporation (185), WHEELS FINANCIAL GROUP, LLC. (58), Westlake Services, LLC (57) and Select Management Resources, LLC (28). The top five account for 67.7% of all complaints.
The CFPB names the legal entity that answered the complaint, which is often a holding company rather than the brand on the storefront. Consumers choose the sub-product themselves, so the list also includes auto lenders, banks and credit unions whose customers filed their complaint as a title loan. The ranking counts complaints only; it does not account for how many loans each company makes.
Title loan complaints by company, 2025
| Company | Complaints | Share |
|---|---|---|
| CCF Intermediate Holdings LLC | 274 | 30.8% |
| OneMain Finance Corporation | 185 | 20.8% |
| WHEELS FINANCIAL GROUP, LLC. | 58 | 6.5% |
| Westlake Services, LLC | 57 | 6.4% |
| Select Management Resources, LLC | 28 | 3.1% |
| Skopos Financial, LLC | 17 | 1.9% |
| Lendmark Financial Services | 16 | 1.8% |
| AutoMoney, Inc. | 14 | 1.6% |
| MARINER FINANCE, LLC | 12 | 1.3% |
| CAPITAL ONE FINANCIAL CORPORATION | 10 | 1.1% |
| NAVY FEDERAL CREDIT UNION | 7 | 0.8% |
| SANTANDER HOLDINGS USA, INC. | 7 | 0.8% |
| AAA Auto Title Loans, LLC | 6 | 0.7% |
| CREDIT ACCEPTANCE CORPORATION | 6 | 0.7% |
| FIFTH THIRD FINANCIAL CORPORATION | 6 | 0.7% |
Show all companies
| Company | Complaints | Share |
|---|---|---|
| ALLY FINANCIAL INC. | 5 | 0.6% |
| BMO BANK NATIONAL ASSOCIATION | 5 | 0.6% |
| Marlette Funding, LLC | 5 | 0.6% |
| WELLS FARGO & COMPANY | 5 | 0.6% |
| Aqua Finance, Inc. | 4 | 0.4% |
| CL Holdings LLC | 4 | 0.4% |
| JPMORGAN CHASE & CO. | 4 | 0.4% |
| Thaxton Investment Corporation | 4 | 0.4% |
| VIN Title LLC d/b/a Discount Title Loan | 4 | 0.4% |
| 1st Franklin Financial Corporation | 3 | 0.3% |
| Advance America, Cash Advance Centers, Inc. | 3 | 0.3% |
| CITIBANK, N.A. | 3 | 0.3% |
| EQUIFAX, INC. | 3 | 0.3% |
| HUNTINGTON NATIONAL BANK, THE | 3 | 0.3% |
| Mercedes Benz Financial Services | 3 | 0.3% |
| OPORTUN FINANCIAL CORPORATION | 3 | 0.3% |
| QC HOLDINGS INC | 3 | 0.3% |
| Solar Mosaic LLC | 3 | 0.3% |
| TD BANK US HOLDING COMPANY | 3 | 0.3% |
| TOYOTA MOTOR CREDIT CORPORATION | 3 | 0.3% |
| TRUIST FINANCIAL CORPORATION | 3 | 0.3% |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 3 | 0.3% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2 | 0.2% |
| BAY COUNTRYCONSUMER FINANCE,INC. | 2 | 0.2% |
| Cash Time Title Loans, Inc. | 2 | 0.2% |
| Embassy Loans | 2 | 0.2% |
| Exeter Finance, LLC. | 2 | 0.2% |
| Experian Information Solutions Inc. | 2 | 0.2% |
| General Motors Financial Company, Inc. | 2 | 0.2% |
| Global Lending Services LLC | 2 | 0.2% |
| HYUNDAI CAPITAL AMERICA | 2 | 0.2% |
| Integrity Funding Ohio, LLC | 2 | 0.2% |
| M&T BANK CORPORATION | 2 | 0.2% |
| PNC Bank N.A. | 2 | 0.2% |
| RFNA, LP | 2 | 0.2% |
| Regional Management Corporation | 2 | 0.2% |
| SYNCHRONY FINANCIAL | 2 | 0.2% |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2 | 0.2% |
| WLCC | 2 | 0.2% |
| Yamaha Motor Finance Corporation USA | 2 | 0.2% |
| AMERICA FIRST FEDERAL CREDIT UNION | 1 | 0.1% |
| AMERICAN HONDA FINANCE CORP | 1 | 0.1% |
| AUTOMOBILE ACCEPTANCE CORPORATION | 1 | 0.1% |
| AXOS FINANCIAL, INC. | 1 | 0.1% |
| AmWest Funding Corp. | 1 | 0.1% |
| Andrews & Cox, P.C. | 1 | 0.1% |
| Block, Inc. | 1 | 0.1% |
| Bridgecrest Acceptance Corporation | 1 | 0.1% |
| CarMax, Inc. | 1 | 0.1% |
| Carvana Group, LLC | 1 | 0.1% |
| Cash Express, LLC | 1 | 0.1% |
| Check N Title Loans | 1 | 0.1% |
| Citizens Savings & Loan Corporation, Chattanooga, TN Branch | 1 | 0.1% |
| Credit Fresh Holdings Inc | 1 | 0.1% |
| Credit Karma, LLC | 1 | 0.1% |
| Crow Creek Sioux Tribe | 1 | 0.1% |
| DLC, LLC | 1 | 0.1% |
| DriveTime | 1 | 0.1% |
| Driveway Finance Corporation | 1 | 0.1% |
| ENOVA INTERNATIONAL, INC. | 1 | 0.1% |
| Eagle Financial Services, Inc. | 1 | 0.1% |
| East McComb Check Cash | 1 | 0.1% |
| FORD MOTOR CREDIT CO. | 1 | 0.1% |
| Family Choice Financial, Inc. | 1 | 0.1% |
| Federal Cash Advance, LLC of Oklahoma | 1 | 0.1% |
| Federal First Lending LLC | 1 | 0.1% |
| First Technology Federal Credit Union | 1 | 0.1% |
| FourLeaf Federal Credit Union | 1 | 0.1% |
| GREEN ROAD FINANCE INC. | 1 | 0.1% |
| HSBC NORTH AMERICA HOLDINGS INC. | 1 | 0.1% |
| Home Credit Corp. Inc. | 1 | 0.1% |
| Home Loan Center, Inc. | 1 | 0.1% |
| Javitch, Block & Rathbone LLC | 1 | 0.1% |
| KEYCORP | 1 | 0.1% |
| Klarna AB | 1 | 0.1% |
| MIDFIRST BANK | 1 | 0.1% |
| MISSION FINANCIAL SERVICES CORPORATION | 1 | 0.1% |
| Molinar LLC dba El Patron Title Loans | 1 | 0.1% |
| NBT BANCORP INC. | 1 | 0.1% |
| NCP Holdings, L.P. | 1 | 0.1% |
| NORTHWEST BANCSHARES INC | 1 | 0.1% |
| National Credit Adjusters, LLC | 1 | 0.1% |
| North State Acceptance, LLC | 1 | 0.1% |
| Northwest Title Company | 1 | 0.1% |
| Ok Finance Group INC | 1 | 0.1% |
| OpenRoad Lending | 1 | 0.1% |
| Oro Express LLC | 1 | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | 1 | 0.1% |
| Paramount GR Holdings, LLC | 1 | 0.1% |
| Peer Advisors, LLC | 1 | 0.1% |
| Premier Auto Credit | 1 | 0.1% |
| Presto Loan Center, LLC | 1 | 0.1% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 1 | 0.1% |
| REGIONS FINANCIAL CORPORATION | 1 | 0.1% |
| Red River Credit Corporation | 1 | 0.1% |
| Royalty Lending Financial Services Inc. | 1 | 0.1% |
| SHABANA MOTORS | 1 | 0.1% |
| SIMPLE CAR TITLE LOANS INC | 1 | 0.1% |
| Self Financial Inc. | 1 | 0.1% |
| Southern Credit LLC | 1 | 0.1% |
| Stellantis Financial Services US Corp. | 1 | 0.1% |
| Sunlight Financial LLC | 1 | 0.1% |
| Tesla, Inc. | 1 | 0.1% |
| Tower Loan of Mississippi, Inc. | 1 | 0.1% |
| U.S. BANCORP | 1 | 0.1% |
| United PanAm Financial Corp. | 1 | 0.1% |
| Velocity Portfolio Group | 1 | 0.1% |
| WESBANCO BANK, INC. | 1 | 0.1% |
| Western-Shamrock Corporation | 1 | 0.1% |
| World Acceptance Corporation | 1 | 0.1% |
| Ygrene Energy Fund Inc. | 1 | 0.1% |
What Happened to TitleMax Complaints
TMX Finance LLC, the parent of TitleMax, was the most-named company in title loan complaints every year from 2015 through 2023. In 2024 the name all but disappeared from the data.
TMX Finance LLC was named in 305 title loan complaints in 2023, 44.9% of that year's total, and in 2 in 2024. CCF Intermediate Holdings rose from 9 complaints in 2023 to 205 in 2024 and 274 in 2025.
CCF Holdings, the Community Choice Financial group of brands, acquired TitleMax, its sister companies TitleBucks and InstaLoan and their parent TMX Finance in 2023. The shift in the CFPB data matches that acquisition: complaints that consumers once filed against TMX Finance now name the CCF entity. The CFPB data do not record brand names, so we cannot say how many of the CCF complaints concern TitleMax stores.
OneMain Finance Corporation, second in 2025, rose from 61 title loan complaints in 2022 to 220 in 2024 and drew 185 in 2025.
Title loan complaints by company, 2023 to 2025
| Company | 2023 | 2024 | 2025 |
|---|---|---|---|
| CCF Intermediate Holdings LLC | 9 | 205 | 274 |
| OneMain Finance Corporation | 108 | 220 | 185 |
| WHEELS FINANCIAL GROUP, LLC. | 46 | 42 | 58 |
| Westlake Services, LLC | 30 | 29 | 57 |
| Select Management Resources, LLC | 26 | 18 | 28 |
| Lendmark Financial Services | 12 | 8 | 16 |
| MARINER FINANCE, LLC | 7 | 7 | 12 |
| CAPITAL ONE FINANCIAL CORPORATION | 1 | 3 | 10 |
| ALLY FINANCIAL INC. | 1 | 4 | 5 |
| WELLS FARGO & COMPANY | 7 | 3 | 5 |
| TMX Finance LLC | 305 | 2 | 0 |
| ONEMAIN FINANCIAL HOLDINGS, LLC. | 0 | 0 | 0 |
| Santander Consumer USA Holdings Inc. | 0 | 0 | 0 |
Companies named in at least 50 title loan complaints from 2015 to 2025. Names are shown as the CFPB records them; OneMain appears under an older company name until 2019.
Are Title Loan Complaints Going Up
The chart shows title loan complaints the CFPB received in each full calendar year since 2015.
Title loan complaints rose from 177 in 2015 to 889 in 2025, the most of any full year in the series. From January through September 2026 the CFPB received 752, against 657 in the same months of 2025.
Complaints rose from 669 in 2024 to 889 in 2025, an increase of 32.9%. The 2026 figures are not yet complete: the CFPB publishes complaints with a delay, and complaints from recent weeks are still being added.
Title loan complaints received by the CFPB per year, 2015 to 2025
- 201517750 naming the most-named company
- 201620643 naming the most-named company
- 201735066 naming the most-named company
- 201838761 naming the most-named company
- 201937568 naming the most-named company
- 202038775 naming the most-named company
- 202141851 naming the most-named company
- 202250372 naming the most-named company
- 2023680305 naming the most-named company
- 2024669220 naming the most-named company
- 2025889274 naming the most-named company
Calendar years by the date the CFPB received the complaint.
What People Complain About With Title Loans
Consumers choose one issue when they file a complaint. The chart shows the issues behind the 889 title loan complaints of 2025.
The most common issue was Charged fees or interest you didn't expect (237 complaints, 26.7%). Repossession or sale of the vehicle was cited in 149 complaints (16.8%).
Unexpected fees or interest made up 33.2% of the complaints naming CCF and 16.8% of those naming OneMain. Repossession was the issue in 21.2% of CCF complaints and 9.7% of OneMain complaints.
Title loan complaints by issue, 2025
- Charged fees or interest you didn't expect23726.7% of complaints
- Struggling to pay your loan15016.9% of complaints
- Vehicle was repossessed or sold the vehicle14916.8% of complaints
- Problem with the payoff process at the end of the loan12814.4% of complaints
- Can't contact lender or servicer475.3% of complaints
- Loan payment wasn't credited to your account424.7% of complaints
- Vehicle was damaged or destroyed the vehicle374.2% of complaints
- Incorrect information on your report262.9% of complaints
- Was approved for a loan, but didn't receive money232.6% of complaints
- Received a loan you didn't apply for222.5% of complaints
Show all issues
- Improper use of your report91.0% of complaints
- Money was taken from your bank account on the wrong day or for the wrong amount91.0% of complaints
- Problem with a company's investigation into an existing problem50.6% of complaints
- Can't stop withdrawals from your bank account30.3% of complaints
- Credit monitoring or identity theft protection services10.1% of complaints
- Unable to get your credit report or credit score10.1% of complaints
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- Title loan complaints by company, 2025Every company named in a title loan complaint the CFPB received in 2025, with its complaint count, share, relief outcomes and most common issue. · 126 rows · CSV, 11 KB
- Title loan complaints by company and year, 2015-2025Yearly title loan complaint counts for every company named in at least 50 title loan complaints from 2015 to 2025. · 13 rows · CSV, 1 KB
- Title loan complaints by issue, 2025Title loan complaints received by the CFPB in 2025 by the issue the consumer selected, with counts for the two most-named companies. · 16 rows · CSV, 1 KB
- Title loan complaints by year, 2015-2025Title loan complaints received by the CFPB in each full calendar year from 2015 to 2025 and the company named most often in each year. · 11 rows · CSV, 1 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 19 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 221 KB
Charts for your story
Title loan complaints by company, 2025
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Title loan complaints by company, 2023 to 2025
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Title loan complaints received by the CFPB per year, 2015 to 2025
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Title loan complaints by issue, 2025
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How to cite
Goldberg, L. (2026). Car Title Loan Complaints to the CFPB by Lender — Ranking, Issues and Yearly Trend (2015–2025) [Data set]. Settlement Insight. https://settlementinsight.com/research/title-loan-complaints-by-lender
BibTeX
@dataset{goldberg_2026_title_loan_complaints_by_lender,
author = {Goldberg, Leonard},
title = {Car Title Loan Complaints to the CFPB by Lender --- Ranking, Issues and Yearly Trend (2015--2025)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/title-loan-complaints-by-lender}
}How We Measured
Checked against published figures
- Title loan complaints received by the CFPB in calendar 2025, as counted by the CFPB's own Consumer Complaint Database search API: published 889, our count 889 (exact match).CFPB Consumer Complaint Database API: title loan complaints received in 2025
- Title loan complaints received in 2025 naming CCF Intermediate Holdings LLC, as counted by the CFPB's Consumer Complaint Database search API: published 274, our count 274 (exact match).CFPB Consumer Complaint Database API: title loan complaints received in 2025, by company
- Title loan complaints received in 2025 that the CFPB sent to companies for review and response (annual report, rounded): published 890, our count 889 (0.11% apart).CFPB Consumer Response Annual Report, January 1 - December 31, 2025
Full method and limits of the data
We kept every complaint with the sub-product "Title loan". In 2025 all of them fall under the product "Payday loan, title loan, personal loan, or advance loan"; for earlier years the same sub-product also appears under the CFPB's older product names "Consumer Loan", "Payday loan, title loan, or personal loan" and "Vehicle loan or lease". Complaints are counted by the date the CFPB received them. The 2025 count, 889, matches the CFPB's own complaint search for the same filter exactly, as does the count of 274 for CCF Intermediate Holdings LLC.
Companies are ranked by the number of complaints that name them in the company field. We did not merge name variants or combine companies into corporate groups. The year series covers full calendar years from 2015 to 2025; the first title loan complaint in the data dates from July 2014, so 2014 is left out. For 2026 we compare January through September with the same months of 2025.
Shares are each company's complaints divided by all 889 title loan complaints received in 2025. The CCF entity's link to TitleMax rests on the 2023 acquisition and on the timing of the shift in the data, not on a field in the complaint records.
What this data cannot tell you
- Complaints are not a measure of lending volume or misconduct. The ranking does not account for how many loans or customers each company has, so a large lender may draw more complaints simply because it has more borrowers. The CFPB does not verify the facts in complaints.
- Consumers choose the sub-product. Some complaints about title loans may be filed as installment loans, vehicle loans or debt collection and are not counted here, and some complaints filed as title loans may concern other auto-secured loans.
- The public database only holds complaints the CFPB sent to companies. In its annual report the CFPB says it received about 1,100 title loan complaints in 2025, including complaints it referred to other regulators or found not actionable.
- The CFPB publishes a complaint only after the company responds or a waiting period has passed, so complaints from recent weeks are still being added. The 2026 comparison ends on September 30 for that reason, but late additions can still raise the 2026 count; the increase over 2025 is not final.
- Company names follow the CFPB's records, which change when companies merge or rename. TitleMax complaints appear under TMX Finance LLC through 2023 and under the CCF entity afterward, and OneMain appears under more than one name. A few complaints share the same date, company, ZIP code and issue and may be repeat filings; we count them as the CFPB publishes them.
Frequently Asked Questions
Which title loan company has the most CFPB complaints?
In 2025, CCF Intermediate Holdings LLC was named in 274 of the 889 title loan complaints the CFPB received and published, or 30.8%. OneMain Finance Corporation was second with 185, and WHEELS FINANCIAL GROUP, LLC. third with 58.
Does TitleMax still get CFPB complaints?
TitleMax's parent, TMX Finance LLC, was named in 305 title loan complaints in 2023 but only 2 in 2024, after CCF Holdings acquired it. Since then, complaints that used to name TMX Finance appear under the CCF entity, which drew 274 in 2025.
How many title loan complaints does the CFPB get each year?
The CFPB received and published 889 title loan complaints in 2025, up from 669 in 2024 and 177 in 2015. The 2025 figure is the highest of any full year since 2015.
What do people complain about with car title loans?
The most common issue in 2025 was Charged fees or interest you didn't expect, cited in 237 complaints. Struggling to pay the loan and repossession or sale of the vehicle followed, with repossession named in 149 complaints.
Do title lenders give money back after a CFPB complaint?
Rarely. Companies closed 18 of the 889 title loan complaints of 2025 with monetary relief, or 2.0%; most were closed with an explanation.
Are title loan complaints rising in 2026?
From January through September 2026 the CFPB received 752 title loan complaints, 14.5% more than the 657 in the same months of 2025. Because complaints are published with a delay, the 2026 count can still rise.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Consumer Response Annual Report, January 1 – December 31, 2025 — Consumer Financial Protection Bureau
- Consumer Complaint Database API: title loan complaints received in 2025 — Consumer Financial Protection Bureau
- Consumer Complaint Database API: title loan complaints received in 2025, by company — Consumer Financial Protection Bureau
- TitleMax — Wikipedia
Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
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