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Personify Financial
Share of complaints that ended with money back
0.62%
Of the 160 complaints recorded against Applied Data Finance in the CFPB database, 1 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
This lender appears on the National Consumer Law Center’s rent-a-bank watch list. In a “rent-a-bank” arrangement it makes loans through a bank’s charter, so the rate follows the bank’s home state, not your state’s cap. Lenders defend this as lawful; whether it is has been litigated both ways.
How the rent-a-bank scheme works → · Source: NCLC watch list →
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 66 | 41.2% |
| Struggling to pay your loan | 29 | 18.1% |
| Getting the loan | 17 | 10.6% |
| Problem when making payments | 17 | 10.6% |
| Incorrect information on your report | 10 | 6.2% |
| Problem with the payoff process at the end of the loan | 7 | 4.4% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 158 | 98.8% |
| Closed with monetary relief Money was returned. | 1 | 0.6% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 1 | 0.6% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Florida | 30 |
| Michigan | 15 |
| California | 12 |
| Texas | 12 |
| North Carolina | 11 |
| Illinois | 10 |
| Minnesota | 9 |
| Ohio | 7 |
Verbatim from complaints filed against Applied Data Finance in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
On XX/XX/year>, I entered into an installment loan contract with Personify Financial for an original amount financed of {$1000.00}. The original APR on the contract was 148.98 %, and the current interest rate is sitting at 138.81 % with a bi-weekly payment requirement of {$65.00}. The payment structure on this loan makes it…Struggling to pay your loan · complaint filed 2026-06-02
I am filing this formal complaint against Personify Financial due to predatory fee inflation and punitive credit reporting practices during an active, unresolved dispute. In XX/XX/year>, I sent a formal dispute via Certified Mail challenging the balance accuracy and high-interest terms on this account. Personify completely ignored the…Charged fees or interest you didn't expect · complaint filed 2026-05-21
In XXXX of XXXX I took out a loan for {$2400.00}. It is now XXXX of XXXX. I have been paying over {$85.00} every XXXX weeks on time with no missed payments. I have currently paid over {$1600.00} toward the loan. Upon checking my balance today, I am showing the principle balance is still currently {$2300.00}. How is this legal?Charged fees or interest you didn't expect · complaint filed 2026-04-08
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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