Lender · complaint record
Bay Countryconsumer Finance complaints
Filed under BAY COUNTRYCONSUMER FINANCE,INC.
Consumers have filed 28 complaints about Bay Countryconsumer Finance since 2018, 6 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 28
- Last 12 months
- 6
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #112 of 272
Since January 2018
new vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Sep 10, 2026
Most complained-about personal & payday lenders
Bay Countryconsumer Finance complaints by month
The busiest month was September 2026 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Bay Countryconsumer Finance answered all time
- Closed with non-monetary relief13.6%
- Closed with explanation2796.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Bay Countryconsumer Finance complaints are about
Top Bay Countryconsumer Finance problems
Inside "Struggling to pay your loan"
- Denied request to lower payments 1
Bay Countryconsumer Finance compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | SoLo FundsPayday & personal loans | 27 | 29 | F |
| 2 | AAA Auto Title LoansPayday & personal loans | 77 | 29 | B |
| 3 | PowerpayPayday & personal loans | 55 | 26 | C |
| 4 | AmeriCashPayday & personal loans | 10 | 26 | F |
| 5 | DLC, LLCPayday & personal loans | 63 | 26 | C |
| 6 | Boost Your ScorePayday & personal loans | 45 | 25 | D |
| 7 | Special FinancingPayday & personal loans | 60 | 25 | C |
| 8 | Bay Countryconsumer FinancePayday & personal loans | - | 6 | - |
Compare side by side: Bay Countryconsumer Finance vs SoLo Funds · Bay Countryconsumer Finance vs AAA Auto Title Loans · Bay Countryconsumer Finance vs Powerpay · Bay Countryconsumer Finance vs AmeriCash
What people say about Bay Countryconsumer Finance
All experiencesNo experiences with Bay Countryconsumer Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Bay Countryconsumer Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 3, 2026 | Payday & personal loans | Loan payment wasn't credited to your account | Explained |
| Mar 12, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Dec 11, 2025 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Jul 8, 2025 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Apr 21, 2025 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Nov 19, 2024 | Auto loans & leases | Struggling to pay your loanDenied request to lower payments | Explained |
| Nov 7, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Apr 29, 2024 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Apr 22, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Bay Countryconsumer Finance
How many complaints does Bay Countryconsumer Finance have?
Bay Countryconsumer Finance has 28 complaints on record since January 2018, including 6 in the last 12 months and 0 in the last 30 days. That makes it number 1,757 of every company by complaints this year.
Does Bay Countryconsumer Finance respond to complaints?
Yes. Bay Countryconsumer Finance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Bay Countryconsumer Finance?
The most common problems are attempts to collect debt not owed (3), charged fees or interest you didn't expect (4), loan payment wasn't credited to your account (3).
Is Bay Countryconsumer Finance legit?
Bay Countryconsumer Finance is a real company with a public complaint record: consumers have complained about it 28 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Bay Countryconsumer Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Bay Countryconsumer Finance?
Complain to Bay Countryconsumer Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Bay Countryconsumer Finance complaints come from?
Most come from Maryland (28). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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