Lender · complaint record
Onset Financial complaints
Filed under Onset Financial, Inc.
Consumers have filed 6 complaints about Onset Financial since 2025, 4 of them in the last 12 months. It answered 100% on time and closed 25% with relief for the customer. The most common problem is charged fees or interest you didn't expect.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 6
- Last 12 months
- 4
- Answered on time
- 100%
- Closed with relief
- 25%
- Last 30 days
- 1
- Rank
- #128 of 272
Since April 2025
new vs the year before
Industry: 94.7%
Typical lender: 6%
Newest: Oct 24, 2026
Most complained-about personal & payday lenders
Onset Financial complaints by month
The busiest month was April 2025 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Onset Financial answered all time
- Closed with monetary relief116.7%
- Closed with explanation583.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Onset Financial complaints are about
Top Onset Financial problems
Where Onset Financial complaints come from
Most complaints: Florida (3), North Carolina (1), California (1), Illinois (1).
Onset Financial 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 | Onset FinancialPayday & personal loans | - | 4 | - |
Compare side by side: Onset Financial vs SoLo Funds · Onset Financial vs AAA Auto Title Loans · Onset Financial vs Powerpay · Onset Financial vs AmeriCash
What people say about Onset Financial
All experiencesNo experiences with Onset Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Onset Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 24, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Money back |
| Apr 16, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Mar 9, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Jan 7, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 4, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 27, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
Questions about Onset Financial
How many complaints does Onset Financial have?
Onset Financial has 6 complaints on record since April 2025, including 4 in the last 12 months and 1 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does Onset Financial respond to complaints?
Yes. Onset Financial answered 100% of its complaints on time (within 15 days) and closed 25% with relief - money back or a fix; 25% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Onset Financial?
The most common problems are charged fees or interest you didn't expect (2), problem with a lender or other company charging your account (1), problem when making payments (1).
Is Onset Financial legit?
Onset Financial is a real company with a public complaint record: consumers have complained about it 6 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Onset Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Onset Financial?
Complain to Onset Financial 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 Onset Financial complaints come from?
Most come from Florida (3), North Carolina (1), California (1). 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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