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Turtle Mountain Band affiliate
Share of complaints that ended with money back
0.16%
Of the 629 complaints recorded against BlueChip Financial 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.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 313 | 49.8% |
| Struggling to pay your loan | 146 | 23.2% |
| Problem with the payoff process at the end of the loan | 32 | 5.1% |
| Can't contact lender | 21 | 3.3% |
| Received a loan you didn't apply for | 19 | 3.0% |
| Problem when making payments | 18 | 2.9% |
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. | 628 | 99.8% |
| Closed with monetary relief Money was returned. | 1 | 0.2% |
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 | 82 |
| Florida | 58 |
| New Jersey | 51 |
| Georgia | 45 |
| Washington | 45 |
| Ohio | 39 |
| Michigan | 31 |
| Indiana | 27 |
Verbatim from complaints filed against BlueChip Financial 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 wrote XXXX an email telling them that I did not have the money to pay them on their regular due date, XX/XX/year>, and that I could not pay them until XX/XX/year>. My oldest sister sent me the money to pay XXXX the {$150.00} on XX/XX/year>, so I sent Spotloan the {$150.00} on XX/XX/year>. They went on ahead and charged me the {$150.00}…Problem with the payoff process at the end of the loan · complaint filed 2026-07-08
I am submitting this complaint regarding a loan I obtained from XXXX because I believe the loan 's interest rate and repayment terms are unfair and may violate applicable consumer lending laws. On XX/XX/XXXX, I borrowed {$500.00} from XXXX. The loan carries an APR of 460 %. Since receiving the loan, I have paid {$550.00}, which exceeds…Charged fees or interest you didn't expect · complaint filed 2026-06-29
I took out a loan through this company but the apr is XXXX % and I asked for a settlement offer and was told no. I am struggling to make the payments for them.Struggling to pay your loan · complaint filed 2026-06-17
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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