This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 132 complaints

Big Picture Loans, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade C.

Complaints by issue type

What consumers report about Big Picture Loans, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record big-picture-loans-llc Big Picture Loans, LLC

Grade C · 132 CFPB filings · 99% timely · lead issue: Communication tactics

  • VOL 132
  • GRADE C
  • 12MO 1
  • STATES 32
  • TIMELY 99%
  • DISPUTE 6%
  • ISSUE Communication tactics
  • RANK #710
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Account Discovery Systems, LLC (132 complaints)

Account Discovery Systems, LLCAccount Discovery Systems, L…132Eastpoint Recovery Group, IncEastpoint Recovery Group, Inc132Big Picture Loans, LLC (this)Big Picture Loans, LLC (this)132Kirschenbaum & Phillips P.CKirschenbaum & Phillips P.C133Mullooly Jeffrey Rooney & FlynnMullooly Jeffrey Rooney & Fl…133
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Big Picture Loans, LLC's 132 CFPB complaints sit next to Account Discovery Systems, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 132 complaints break down

Every complaint issue type on record for Big Picture Loans, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.1/100
Big Picture Loans, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
132
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
6%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

California is the plurality state for Big Picture Loans, LLC (15.2%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
California 15.2%
Mid-band (15–30%) · 32 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2016-04 at 7.1% (2 filings)
Corpus ranks
#710 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Big Picture Loans, LLC compare to its peers?

How does Big Picture Loans, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Big Picture Loans, LLC National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
6%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Big Picture Loans, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Big Picture Loans, LLC vs. 9 similar-volume peers, by response speed and dispute rate Big Picture Loans, LLCAccount Discovery Systems, LLCEastpoint Recovery Group, IncMullooly Jeffrey Rooney & FlynnBay Area Receivables, IncKirschenbaum & Phillips P.CUnited Resource Systems, IncFinancial Accounts Service Team Inc.Law Offices of Hayt, Hayt & Landau, LLCFreedom Mortgage Company
Source: CFPB Consumer Complaint Database

Big Picture Loans, LLC's complaint volume in context

Big Picture Loans, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

132 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Big Picture Loans, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2015-09 2025-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
37
False statements or representation
20
Cont'd attempts collect debt not owed
13
Taking/threatening an illegal action
13
Attempts to collect debt not owed
11
Improper contact or sharing of info
10
Disclosure verification of debt
9
Took or threatened to take negative or legal action
8
Written notification about debt
5
Threatened to contact someone or share information improperly
4

Where do complaints against Big Picture Loans, LLC come from?

Big Picture Loans, LLC's own per-state count, not a national baseline.

Top states by complaints against Big Picture Loans, LLC

Across 32 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Big Picture Loans, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 132.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.23664122137404%.

4 peers

Know your rights before responding to Big Picture Loans, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.