Payday loan, title loan, personal loan, or advance loan -- Problem when making payments -- Complaint #19222337
Installment Loan Payment Issues with LDF Holdings Resolved via Referral
Complaint Overview
Complaint ID: 19222337
Company: Ldf Holdings, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Installment loan
Issue: Problem when making payments
State: Tennessee
ZIP Code: 37801
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The complaint was closed with an explanation and referred, indicating a resolution pathway was found, thus lowering the immediate risk to the consumer.
Consumer Sentiment: neutral
Topics: Installment loans, Payment issues, Lender resolution
AI Analysis
CFPB complaint 19222337 was filed against LDF Holdings, LLC regarding Payday loan, title loan, personal loan, or advance loan (Installment loan), specifically about "Problem when making payments". A consumer filed a complaint regarding issues making payments on an installment loan from LDF Holdings, LLC, which was closed with an explanation and referred to another entity. The complaint was received on January 31, 2026 from Tennessee. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Ensure you understand the terms of any loan agreement and keep records of all payment attempts and communications with the lender.
Legal Context & Consumer Protection Laws
This case involves installment loans, which are subject to federal and state lending regulations designed to protect consumers from unfair practices.
Regulatory Insight
The referral suggests that the issue may have been outside the direct purview of LDF Holdings, LLC, or that another entity is better equipped to handle the resolution.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Tennessee, and state-specific regulations for lending may apply.
Industry Comparison
Compared to payday or title loans, installment loans typically involve more structured repayment schedules, but payment difficulties can still arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19222337 about?
CFPB complaint 19222337 involves Payday loan, title loan, personal loan, or advance loan (Installment loan). The consumer reported an issue with "Problem when making payments". This complaint was filed against LDF Holdings, LLC on January 31, 2026.
Which company is complaint 19222337 filed against?
Complaint 19222337 was filed against LDF Holdings, LLC. You can view all complaints against this company on their profile page at /company/ldf-holdings-llc.
What was the company's response to complaint 19222337?
LDF Holdings, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19222337 filed?
Complaint 19222337 was received by the CFPB on January 31, 2026. It was sent to LDF Holdings, LLC on February 3, 2026.
What state was complaint 19222337 filed from?
Complaint 19222337 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 19222337?
Dispute information is not available for complaint 19222337.
What product category is complaint 19222337 about?
Complaint 19222337 is categorized under "Payday loan, title loan, personal loan, or advance loan", specifically "Installment loan". This is one of the product categories tracked by the CFPB.
How was complaint 19222337 submitted?
Complaint 19222337 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19222337?
This case involves installment loans, which are subject to federal and state lending regulations designed to protect consumers from unfair practices. This relates to a Payday loan, title loan, personal loan, or advance loan complaint against LDF Holdings, LLC involving "Problem when making payments".
How likely is complaint 19222337 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19222337?
This complaint is rated as low risk. The complaint was closed with an explanation and referred, indicating a resolution pathway was found, thus lowering the immediate risk to the consumer.
What regulatory actions apply to complaint 19222337?
The referral suggests that the issue may have been outside the direct purview of LDF Holdings, LLC, or that another entity is better equipped to handle the resolution. The CFPB tracks complaints like this one to identify patterns of misconduct across the Payday loan, title loan, personal loan, or advance loan industry.
What should the consumer do about complaint 19222337?
Ensure you understand the terms of any loan agreement and keep records of all payment attempts and communications with the lender.
Are there state-specific protections for complaint 19222337?
The complaint originated in Tennessee, and state-specific regulations for lending may apply. This complaint was filed from Tennessee.
How does complaint 19222337 compare to industry norms?
Compared to payday or title loans, installment loans typically involve more structured repayment schedules, but payment difficulties can still arise.
What specific reasons led to the loan being closed with an explanation and referred?
The provided data does not specify the exact reasons for the closure and referral, but it typically involves the lender determining the issue is resolved or requires action from a different party.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.