CFPB · Single-product concentration
Carmel Financial Corporation, Inc.
50 CFPB complaints · 88% in "Credit reporting, credit repair services, or other personal consumer reports" · top issue Incorrect information on your report.
Carmel Financial Corporation, Inc.: 88% of 50 CFPB complaints sit in "Credit reporting, credit repair services, or other personal consumer reports". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2018 to 2023
CFPB relief outcome brief
CCDB company carmel-financial-corporation-inc
0% relief · 100% timely · 50 filings · Credit reporting, credit repair services, or other personal consumer reports
Same-product relief peers
Nearest relief peer: Innovis (0% relief)
Carmel Financial Corporation, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Carmel Financial Corporation, Inc.'s 50 filings include narrative text
42% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Carmel Financial Corporation, Inc. complaint mix by product
- Credit reporting, 44 88.0% – 0% relief
- Debt collection 5 10.0% – 0% relief
- Credit card 1 2.0% – 0% relief
How Carmel Financial Corporation, Inc.'s 50 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 44 |
| Debt collection | 5 |
| Credit card or prepaid card | 1 |
Where Carmel Financial Corporation, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 18% of this company's filings
Carmel Financial Corporation, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2023
- 1
- 0% vs 2018
Top States
| State | Complaints |
|---|---|
| TX | 9 |
| FL | 8 |
| CA | 6 |
| GA | 4 |
| PA | 4 |
| MI | 2 |
| TN | 2 |
| AZ | 2 |
| UT | 1 |
| NY | 1 |
| IN | 1 |
| NC | 1 |
| IL | 1 |
| MS | 1 |
| WI | 1 |
| SC | 1 |
| NJ | 1 |
| MD | 1 |
| RI | 1 |
| DE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 17 |
| Improper use of your report | 17 |
| Problem with a credit reporting company's investigation into an existing problem | 10 |
| Attempts to collect debt not owed | 4 |
| Struggling to pay your bill | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 1 | 100% |
| 2019 | 9 | 100% |
| 2020 | 5 | 100% |
| 2021 | 24 | 100% |
| 2022 | 10 | 100% |
| 2023 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Carmel Financial Corporation, Inc. filings cluster in one product
Carmel Financial Corporation, Inc.'s 50 logged complaints stay concentrated: only 21 states show a filing. 42% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2023-03-06.
Carmel Financial Corporation, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting, credit repair services, or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Carmel Financial Corporation, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Carmel Financial Corporation, Inc.: 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: 50.
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 Carmel Financial Corporation, Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration