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Dave
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Share of complaints that ended with money back
0.34%
Of the 296 complaints recorded against Dave Operating, LLC 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.
1 government action we have matched to this company, by regulator and year. Each links to its primary source.
The FTC (case filed by the DOJ) alleges Dave deceived consumers about the size of its cash advances (marketed ‘up to $500’), charged undisclosed ‘express’ fees, and collected ‘tips’ without clear consent. The litigation is pending.
Read the FTC / DOJ source →This company is publicly traded (DAVE). These figures are stated in its own annual report (FY2025 Form 10-K) — not our estimates.
Digital neobank. ExtraCash is a fee/tip cash-advance product not marketed with an APR, so no portfolio APR is disclosed; it advanced roughly $7.6 billion in 2025.
Read the FY2025 Form 10-K on SEC EDGAR →Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Can't stop withdrawals from your bank account | 159 | 53.7% |
| Issues with repayment | 33 | 11.1% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 33 | 11.1% |
| Charged fees or interest you didn't expect | 17 | 5.7% |
| Can't contact lender or servicer | 8 | 2.7% |
| Problem with the payoff process at the end of the loan | 8 | 2.7% |
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. | 294 | 99.3% |
| Closed with monetary relief Money was returned. | 1 | 0.3% |
| In progress Not yet resolved at the time of this snapshot. | 1 | 0.3% |
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 | 24 |
| Texas | 22 |
| Illinois | 19 |
| Florida | 17 |
| Ohio | 15 |
| Indiana | 12 |
| North Carolina | 12 |
| Pennsylvania | 12 |
Verbatim from complaints filed against Dave Operating, LLC 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.
I received notification that the app lost connection with my financial institution ( XXXX XXXX ) I have followed the steps within the app to reconnect the same bank account multiple times without success ( see attached app images ) Today, i reached out via chat for support with trying to resolve this issue. The agent I chatted with did…Issues with repayment · complaint filed 2026-05-13
I have reached out 10 days in advance to have my financial information removed from their app and revoked authorization for any further debits to be withdrawn and they are refusing to comply.Issues with repayment · complaint filed 2026-05-05
I wrote this company over a year ago to stop and revoke the use of my ACH number for the company to not take out my bank account almost a year and a half later they went into my account and took out XXXX after I withdrew my ACH from this accountCan't stop withdrawals from your bank account · complaint filed 2026-04-29
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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