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Share of complaints that ended with money back
4.94%
Of the 81 complaints recorded against CNG Holdings Inc in the CFPB database, 4 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 | 22 | 27.2% |
| Problem with the payoff process at the end of the loan | 18 | 22.2% |
| Problem when making payments | 12 | 14.8% |
| Struggling to pay your loan | 7 | 8.6% |
| Incorrect information on your report | 6 | 7.4% |
| Can't contact lender or servicer | 5 | 6.2% |
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. | 77 | 95.1% |
| Closed with monetary relief Money was returned. | 4 | 4.9% |
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 |
|---|---|
| Texas | 21 |
| California | 6 |
| Georgia | 6 |
| Missouri | 6 |
| North Carolina | 5 |
| Illinois | 4 |
| Michigan | 4 |
| Pennsylvania | 4 |
Verbatim from complaints filed against CNG Holdings Inc 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.
When I took the loan out, it was for something like {$600.00}, I was in a situation, but the payments were pretty high, so eventually I thought after a few payments, I could refinance for lower payments and didn't take any additional money out with the refinance because I wasn't able to cover the full repayment amount, so I was given a…Can't stop withdrawals from your bank account · complaint filed 2026-06-01
I receive, am eligible for, or have within 6 months received, aid to families with dependent children, relief funded by a relief block grant undeXXXX XXXX XXXX, relief provided by counties under section 59.53 ( 21 ) of the Wisconsin Statutes, medical assistance, supplemental security income, food stamps, or veterans benefits based on…Struggling to pay your loan · complaint filed 2026-04-20
I received this loan from Cash store in XXXX Texas to pay off personal bills and to have my payments reported to all three credit bureaus and as of right now they have not reported XXXX payment to the credit bureau and this is a breach of contract in which I signed because in the contract it said that they do report to the credit bureaus…Improper use of your report · complaint filed 2025-11-25
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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