Total CFPB complaints
131
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 131 complaints
Big Picture Loans, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 32 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Big Picture Loans, LLC
- Communication tactics
Communication tactics
25 complaints
- False statements or representation
False statements or representation
15 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
13 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Improper contact or sharing of info 6
Improper contact or sharing of info
6 complaints
C
Grade C · 63.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Big Picture Loans, LLC?
Big Picture Loans, LLC has accumulated 131 total CFPB complaints across 32 states, with 1 filed in the most recent 12 months against 130 historical complaints before that window. The trailing-12-month volume represents 0.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 6% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 32 states, led by California with 20 and Florida with 18, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.4/100 places Big Picture Loans, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
0.8% of total history
Stable →
States active
32
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
6%
After company response
Reputation grade
C
63.4/100 composite
Response-quality profile
How Big Picture Loans, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 11.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 57.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Big Picture Loans, LLC compare to its peers?
Big Picture Loans, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2017-11 2025-06
Top Consumer Issues
Communication tactics25 (%)
False statements or representation15 (%)
Taking/threatening an illegal action13 (%)
Cont'd attempts collect debt not owed13 (%)
Disclosure verification of debt7 (%)
Improper contact or sharing of info6 (%)
Attempts to collect debt not owed5 (%)
Most common issue: Communication tactics — Threatened to take legal action
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Threatened to take legal action | 16 |
| False statements or representation | Attempted to collect wrong amount | 15 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 9 |
| Communication tactics | Frequent or repeated calls | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 4 |
Where do complaints against Big Picture Loans, LLC come from?
The states where consumers have filed the most CFPB complaints against Big Picture Loans, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Big Picture Loans, LLC
Across 32 states with at least one filing
- California
California
20 complaints
- Florida
Florida
18 complaints
- Maryland
Maryland
8 complaints
- Louisiana
Louisiana
8 complaints
- Pennsylvania 7
Pennsylvania
7 complaints
- Ohio 6
Ohio
6 complaints
- Minnesota 6
Minnesota
6 complaints
- Illinois 5
Illinois
5 complaints
Frequently Asked Questions
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 131 complaints filed with the CFPB.
Are complaints against Big Picture Loans, LLC increasing or decreasing? ▼
Complaints against Big Picture Loans, LLC have been stable. The company received 1 complaints in the last 12 months.
What is Big Picture Loans, LLC's reputation grade? ▼
Big Picture Loans, LLC has a reputation grade of C (score: 63.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Big Picture Loans, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Big Picture Loans, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |