CFPB · Mid-pack CFPB posture
Cardinal Branch
3 CFPB complaints · 3 states · top issue Charged upfront or unexpected fees.
Cardinal Branch has 3 consumer complaints in the CFPB public database. Timely response is 100%; 100% closed with relief; top product Debt or credit management. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -50% filings 2024 to 2025
CFPB relief outcome brief
CCDB company cardinal-branch
100% relief · 100% timely · 3 filings · Debt or credit management
Same-product relief peers
Nearest relief peer: Credit Glory LLC (11.9% relief)
Cardinal Branch closes 100% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cardinal Branch complaint mix by product
- Debt or 2 66.7% – 100% relief
- Mortgage 1 33.3% – 100% relief
How Cardinal Branch's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt or credit management | 2 |
| Mortgage | 1 |
Where Cardinal Branch complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- SC
- 33.3% of this company's filings
Cardinal Branch falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -50% vs 2024
Top States
| State | Complaints |
|---|---|
| SC | 1 |
| CA | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged upfront or unexpected fees | 2 |
| Struggling to pay mortgage | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 2 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Cardinal Branch
Cardinal Branch's 3 logged complaints stay concentrated: only 3 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2025-01-23.
Cardinal Branch answers 100% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 100% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt or credit management" draws the most filings, most often for "Charged upfront or unexpected fees."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Cardinal Branch.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cardinal Branch: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 3.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Cardinal Branch (100% timely; 100% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture