Official Payday Loan Complaint Generator | CFPB & FTC Approved

Create a practical complaint draft you can review, edit, print, download, or use when filing with the CFPB.

Payday Loan Complaint Generator

Build two complaint drafts at once: a concise lender-facing version and a more formal CFPB-ready version. You can review, copy, download, print, or open a PDF-friendly view.

Borrower Information

State-specific helper

Select a state to see regulator info, payday status, and an installment alternative note from your site dataset.

Lender + Loan Details

Complaint Type

Evidence / Records You Have

0 characters

Tip: This tool creates strong drafts, but you should still review the letters before sending them to a lender, regulator, or the CFPB.

Your Complaint Drafts

Drafts not generated yet
[Your lender complaint letter will appear here after you click "Generate Both Letters"]
[Your CFPB complaint draft will appear here after you click "Generate Both Letters"]
File with CFPB

How to use both drafts

  • Lender draft: shorter, practical, direct request for resolution.
  • CFPB draft: more formal and structured for regulator-style complaint filing.
  • Use the printable view to save as PDF in your browser’s print dialog.

Wording approach

These drafts avoid overclaiming legal violations as proven facts. They use safer language like “may violate,” “may be inconsistent with,” or “I am concerned that,” which is usually more practical.

Disclaimer: This tool provides complaint templates for general informational use only and does not constitute legal advice. Complaint outcomes depend on your facts, documentation, lender conduct, and applicable law. If your issue is urgent or high-stakes, consider consulting a qualified attorney or consumer protection agency.