Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #17838073
Complaint Overview
Complaint ID: 17838073
Company: Dave Operating, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Payday loan
Issue: Charged fees or interest you didn't expect
State: New York
ZIP Code: 12550
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Dave repeatedly withdrew more money from my account than the amount of the advance they provided, which caused financial harm and resembles an illegal payday-lending structure. For multiple transactions, I received advances of {$25.00}, {$50.00}, or {$75.00}, but Dave withdrew {$32.00}, {$60.00}, {$82.00}, and {$87.00}. These extra amounts function as undisclosed finance charges. The charges were not transparent and appear to violate the Truth in Lending Act ( TILA ) and New York State 's prohibition on payday lending. Dave also charged recurring {$1.00} fees and other small charges without clear authorization. Several withdrawals occurred early or at irregular intervals that did not align with my pay schedule, which may violate the Electronic Funds Transfer Act ( EFTA Regulation E ). I did not authorize any tips or additional fees beyond the advance amount. These extra withdrawals created a pattern of unlawful high-cost lending. I am requesting : A full refund of all charges above the advance amounts A refund of all unauthorized fees A review of overdraft-related losses Written confirmation that my account will not be debited again I have screenshots documenting these transactions and am attaching them.
Frequently Asked Questions
What is Complaint #17838073 about?
Complaint #17838073 was filed against Dave Operating, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
How did Dave Operating, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Dave Operating, LLC?
Yes, visit the Dave Operating, LLC company profile at readthecomplaint.com/company/dave-operating-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.