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Share of complaints that ended with money back
1.61%
Of the 808 complaints recorded against CNG Financial Corporation in the CFPB database, 13 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.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 226 | 28.0% |
| Struggling to pay your loan | 115 | 14.2% |
| Received a loan I didn't apply for | 78 | 9.7% |
| Can't contact lender | 68 | 8.4% |
| Problem with the payoff process at the end of the loan | 42 | 5.2% |
| Can't stop charges to bank account | 36 | 4.5% |
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. | 794 | 98.3% |
| Closed with monetary relief Money was returned. | 13 | 1.6% |
| Closed Closed with no category recorded. | 1 | 0.1% |
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 |
|---|---|
| California | 140 |
| Texas | 106 |
| Ohio | 69 |
| Michigan | 54 |
| South Carolina | 42 |
| Florida | 41 |
| Virginia | 37 |
| Wisconsin | 33 |
Verbatim from complaints filed against CNG Financial Corporation 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.
Well I havent been able to setup the payment plan due to Im now t working at the moment due to having my XXXX. So yesterday XX/XX/year> I spoke with a lady named XXXX XXXX from I guess some kind of law firm for debt collection and she was very helpful at first to help me do my payoff settlement, but I told her that I needed to deposit…Struggling to pay your loan · complaint filed 2026-05-29
To Whom It May Concern, I am writing to file a formal complaint against Xact ( operated by Axcess Financial Services / CNG Financial, partnered with XXXX XXXX XXXX XXXX XXXX ) regarding predatory and potentially illegal lending practices in the state of Nebraska. My Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX…Charged fees or interest you didn't expect · complaint filed 2026-05-25
On XX/XX/2026, I sent a formal debt validation letter via certified mail to XXXX XXXX XXXX ( Axcess Financial ). My tracking documentation confirms receipt. Under the FDCPA, the company is required to provide verification of the debt. As of today, XX/XX/2026, more than 30 days have passed and I have received no response, no validation of…Incorrect information on your report · complaint filed 2026-05-15
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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