Lender · complaint record
Dave Operating complaints
Filed under Dave Operating, LLC
Consumers have filed 865 complaints about Dave Operating since 2022, 416 of them in the last 12 months (+72% on the year before). It answered 96.4% on time and closed 0% with relief for the customer - less often than a typical lender. The most common problem is can't stop withdrawals from your bank account. It is the 5th most complained-about of 272 personal & payday lenders this year.
Poor response record. How it works
- Complaints on record
- 865
- Last 12 months
- 416
- Answered on time
- 96.4%
- Closed with relief
- 0%
- Last 30 days
- 28
- Rank
- #5 of 272
Since March 2022
+72% vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Nov 3, 2026
Most complained-about personal & payday lenders
Dave Operating complaints by month
The busiest month was June 2026 (65 complaints). Complaints in the last 12 months are up 72% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Dave Operating answered last 12 months
- Closed with monetary relief10.2%
- Closed with explanation41499.5%
- In progress10.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time29/4596.4% on time
- Relief for customers1/400.2% closed with relief
- Complaint trend3/15+72% vs last year
What Dave Operating complaints are about
Top Dave Operating problems last 12 months
Where Dave Operating complaints come from
Most complaints: California (86), Texas (76), Florida (70), Ohio (40), Pennsylvania (40).
Dave Operating compared with other personal & payday lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Cherry TechnologiesPayday & personal loans | 44 | 452 | D |
| 2 | Dave OperatingPayday & personal loans | 33 | 416 | F |
| 3 | Solar MosaicPayday & personal loans | 5 | 387 | F |
| 4 | Aqua FinancePayday & personal loans | 56 | 335 | C |
| 5 | Solar ServicingPayday & personal loans | 55 | 288 | C |
| 6 | Zip Co USPayday & personal loans | 26 | 287 | F |
| 7 | Rosebud Economic DevelopmentPayday & personal loans | 3 | 281 | F |
| 8 | Uprova CreditPayday & personal loans | 45 | 266 | D |
Compare side by side: Dave Operating vs Cherry Technologies · Dave Operating vs Solar Mosaic · Dave Operating vs Aqua Finance · Dave Operating vs Solar Servicing
What people say about Dave Operating
All experiencesNo experiences with Dave Operating yet. Yours would be the first on the record - and the one the next person reads.
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Full logQuestions about Dave Operating
How many complaints does Dave Operating have?
Dave Operating has 865 complaints on record since March 2022, including 416 in the last 12 months and 28 in the last 30 days. That makes it number 216 of every company by complaints this year.
Does Dave Operating respond to complaints?
Yes. Dave Operating answered 96.4% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0.2% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 33/100 (grade F).
What do people complain about most with Dave Operating?
The most common problems are can't stop withdrawals from your bank account (207), managing an account (207), problem with a lender or other company charging your account (75).
Is Dave Operating legit?
Dave Operating is a real company with a public complaint record: consumers have complained about it 865 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Dave Operating legit? for the signals, red flags and how to protect yourself.
Are complaints about Dave Operating going up or down?
Up. There were 416 complaints in the last 12 months against 242 in the 12 before (+72%). See every month.
How do I file a complaint against Dave Operating?
Complain to Dave Operating 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 Dave Operating complaints come from?
Most come from California (86), Texas (76), Florida (70). 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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