Total CFPB complaints
23
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 23 complaints
Net Pay Advance, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Net Pay Advance, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
B
Grade B · 71.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Net Pay Advance, Inc.?
Net Pay Advance, Inc. has accumulated 23 total CFPB complaints across 6 states, with 10 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 43.5% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 0% 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 6 states, led by Texas with 10 and California with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 71.4/100 places Net Pay Advance, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
10
43.5% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
71.4/100 composite
Response-quality profile
How Net Pay Advance, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Net Pay Advance, Inc. compare to its peers?
Net Pay Advance, Inc. 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)
2016-09 2026-01
Top Consumer Issues
False statements or representation4 (%)
Attempts to collect debt not owed6 (%)
Written notification about debt4 (%)
Took or threatened to take negative or legal action3 (%)
Cont'd attempts collect debt not owed1 (%)
Electronic communications1 (%)
Communication tactics1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Net Pay Advance, Inc. come from?
The states where consumers have filed the most CFPB complaints against Net Pay Advance, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Net Pay Advance, Inc.
Across 6 states with at least one filing
- Texas
Texas
10 complaints
- California
California
9 complaints
- Utah 1
Utah
1 complaints
- Missouri 1
Missouri
1 complaints
- Tennessee 1
Tennessee
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Net Pay Advance, Inc.? ▼
The most common issue consumers report about Net Pay Advance, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 23 complaints filed with the CFPB.
Are complaints against Net Pay Advance, Inc. increasing or decreasing? ▼
Complaints against Net Pay Advance, Inc. are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Net Pay Advance, Inc.'s reputation grade? ▼
Net Pay Advance, Inc. has a reputation grade of B (score: 71.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Net Pay Advance, Inc. respond to consumer complaints? ▼
Net Pay Advance, Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Net Pay Advance, Inc. operate? ▼
Net Pay Advance, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from Texas (10 complaints).
What can I do if Net Pay Advance, 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 Net Pay Advance, 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 |