Total CFPB complaints
22
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 22 complaints
Cash Time Title Loans, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Cash Time Title Loans, Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 60.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Cash Time Title Loans, Inc.?
Cash Time Title Loans, Inc. has accumulated 22 total CFPB complaints across 1 states, with 14 filed in the most recent 12 months against 8 historical complaints before that window. The trailing-12-month volume represents 63.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 77% timely-response rate against a 20% 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 1 states, led by Arizona with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.2/100 places Cash Time Title Loans, Inc. 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
14
63.6% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
77%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
60.2/100 composite
Response-quality profile
How Cash Time Title Loans, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Cash Time Title Loans, Inc. compare to its peers?
Cash Time Title Loans,… 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)
2014-02 2025-12
Top Consumer Issues
Took or threatened to take negative or legal action10 (%)
Attempts to collect debt not owed6 (%)
Communication tactics3 (%)
Improper contact or sharing of info2 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
Where do complaints against Cash Time Title Loans, Inc. come from?
The states where consumers have filed the most CFPB complaints against Cash Time Title Loans, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Cash Time Title Loans, Inc.
Across 1 states with at least one filing
- Arizona
Arizona
22 complaints
Frequently Asked Questions
What is the most common complaint against Cash Time Title Loans, Inc.? ▼
The most common issue consumers report about Cash Time Title Loans, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 22 complaints filed with the CFPB.
Are complaints against Cash Time Title Loans, Inc. increasing or decreasing? ▼
Complaints against Cash Time Title Loans, Inc. are rising. The company received 14 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Cash Time Title Loans, Inc.'s reputation grade? ▼
Cash Time Title Loans, Inc. has a reputation grade of C (score: 60.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Cash Time Title Loans, Inc. respond to consumer complaints? ▼
Cash Time Title Loans, Inc. has a 77% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Cash Time Title Loans, Inc. operate? ▼
Cash Time Title Loans, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Arizona (22 complaints).
What can I do if Cash Time Title Loans, Inc. 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 Cash Time Title Loans, Inc. 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 |