What is the most common complaint against Big Picture Loans, LLC?

The most common issue consumers report about Big Picture Loans, LLC is "Communication tactics", specifically "Threatened to take legal action". This is based on 132 complaints filed with the CFPB.

Are complaints against Big Picture Loans, LLC increasing or decreasing?

Complaints against Big Picture Loans, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Big Picture Loans, LLC's reputation grade?

Big Picture Loans, LLC has a reputation grade of C (score: 60.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Big Picture Loans, LLC respond to consumer complaints?

Big Picture Loans, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 6% of cases.

In how many states does Big Picture Loans, LLC operate?

Big Picture Loans, LLC has received CFPB complaints from consumers in 32 states, with the most complaints from California (20 complaints).

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

Big Picture Loans, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 32 states, reputation grade C.

Compiled by PlainCollector

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

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 #710 · compose #2345

VOL 132
GRADE C
12MO 1
STATES 32
TIMELY 99%
DISPUTE 6%
ISSUE Communication tactics
RANK #710
COMPOSE #2,345

Volume peers

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

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 →

Steady monthly series

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

Volume rank #710 and composite rank #2,345 diverge by 1,635 places on PlainCollector's CFPB-derived corpus maps. 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)
Divergent corpus ranks: #710 volume; #2,345 composite; Cleanest-composite ladder is 1,635 places worse than volume

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

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

20
Florida

18
Maryland

9
Louisiana

8
Pennsylvania

7
Minnesota

6
Ohio

6
Illinois

5

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.