Total complaints
34
Filed since 016
2026 data Public-data reference. official source
character
34 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
34 consumer complaints filed with the CFPB
This profile shows character's complaint history from CFPB public records. 34 consumers have filed complaints since 016 . The company has a 0% timely response rate and has provided relief in 0% of cases.
34
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
7
States Active
016
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
character complaint mix by product
- inaccurate 5 22.7% – 0% relief
- it has 4 18.2% – 0% relief
- VIOLATIONS 4 18.2% – 0% relief
- Nov. 18 3 13.6% – 0% relief
- XXXX XXXX 2 9.1% – 0% relief
- XXXX 2 9.1% – 0% relief
- the term 2 9.1% – 0% relief
How character's 34 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| inaccurate | 5 |
| it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings | 4 |
| VIOLATIONS | 4 |
| Nov. 18 | 3 |
| XXXX XXXX XXXX | 2 |
| XXXX | 2 |
| the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title | 2 |
| and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you | 2 |
| Transuniuon | 1 |
| JPMORGAN CHASE BANKXXXX N.A. has duties it must fulfill when they take adverse action against a consumer. They have completed the duty of notifying me in accordance with the federal law 15 USC 1681m ( a ) ( 2 ) ( B ) After I reviewed section 15 USC 1681m ( b ) I realized whenever credit for personal | 1 |
| my last results were generated XX/XX/2022 but both of these accounts report the Balance Updated and Status reflects information from XX/XX/2022 on my results | 1 |
| leaving me threats on my voicemail. They also began to contact me by mail shortly after the first call I had with that rep. After them XXXX me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) a debt validation letter which I have attached to this complaint. GRANT MERCANTILE AGE ( GRANT MERCANTILE AGENCY ) never responded to the letter. Since they have never responded to the letter or supplied me with sufficient information in order to validate this debt | 1 |
| XXXX XXXX Cards | 1 |
| this is a FCRA violation under XXXX5 USC 1681a 2Ai as an exclusionary reporting. XXXX and XXXX are both reporting a collections account for XXXX XXXX XXXX | 1 |
| per your previous request to conduct a reinvestigation | 1 |
| authentication feature | 1 |
| all of my accounts are in good standing. My credit card Utilization is Excellent | 1 |
| XXXX XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| general reputation | 14 |
| and credit worthiness. | 5 |
| and general reputation of consumers. | 5 |
| and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness | 4 |
| and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness | 3 |
| and general reputation of consumers ; 3. The Congress has also stated that you XXXX | 2 |
| credit worthiness and general reputation by reporting such invalid information. I have not received any information in regards to these accounts from the data furnisher either after I had already requested experians investigative procedures also putting experian in violation 15 u.s.c 1681i ( a ) ( 7 ). I believe experian just provided me results to think they could be in compliance by responding within the 15 days after receiving my request | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| oral | 9 |
| and misleading information because I have notified them several times about the inaccurate information. Experian is illegally reporting false | 4 |
| Dec. 15 | 3 |
| XXXX XXXX ) | 3 |
| I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate UPDATING REFLECTING NO LATE PAYMENTS AND PAID IN FULL : XXXX XXXX with Account # XXXX or Acct ending in XXXX is reporting inaccurately Proof that my account was PAID IN FULL and should be updated with no late payments ( SEE ATTACHMENT ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system | 3 |
| and XXXX the Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system | 2 |
| and EquFAx the Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system | 1 |
| or household purposes involving a consumer is denied partly because of information obtained from an organization other than XXXX | 1 |
| experian is in non compliance for failing to delete this unverifiable | 1 |
| with respect | 1 |
| and misleading information because I have notified them several times about the inaccurate information. Equifax is illegally reporting false | 1 |
| I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate UPDATING REFLECTING NO LATE PAYMENTS AND PAID IN FULL : Capital One with Account # XXXX or Acct ending in XXXX is reporting inaccurately Proof that my account was PAID IN FULL and should be updated with no late payments ( SEE ATTACHED ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system | 1 |
| however | 1 |
| Equifax | 1 |
| EQUIFAX | 1 |
| XXXX XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About character
character has accumulated 34 consumer complaints in the CFPB public database, with filings active across 7 U.S. states. Of those submissions, 29 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 016 , and the most recent logged activity is lastly, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, character reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "inaccurate", and the single most common underlying issue is "oral".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating character: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does character have?
character has received 34 consumer complaints filed with the Consumer Financial Protection Bureau.
Does character respond to complaints on time?
character has a 0% timely response rate to CFPB complaints.
What is the most common complaint about character?
The most common issue reported against character is "oral" in the "inaccurate" product category.
Read our methodology — how this data is sourced, computed, and verified.
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