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Personify Financial
Share of complaints that ended with money back
0.6%
Of the 167 complaints recorded against Applied Data Finance 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.
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 | 67 | 40.1% |
| Struggling to pay your loan | 31 | 18.6% |
| Getting the loan | 18 | 10.8% |
| Problem when making payments | 18 | 10.8% |
| Incorrect information on your report | 11 | 6.6% |
| Problem with the payoff process at the end of the loan | 7 | 4.2% |
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. | 165 | 98.8% |
| Closed with monetary relief Money was returned. | 1 | 0.6% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 1 | 0.6% |
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 |
|---|---|
| Florida | 32 |
| Michigan | 15 |
| Texas | 13 |
| California | 12 |
| North Carolina | 11 |
| Illinois | 10 |
| Minnesota | 9 |
| Ohio | 7 |
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 23 September 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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