CFPB · Single-product concentration
Cognition Financial Corporation
40 CFPB complaints · 90% in "Student loan" · top issue Problems when you are unable to pay.
Cognition Financial Corporation: 90% of 40 CFPB complaints sit in "Student loan". Timely 100% · relief 15%. Allegations, not findings.
- Single-product concentration
- -96.2% filings 2012 to 2018
CFPB relief outcome brief
CCDB company cognition-financial-corporation
15% relief · 100% timely · 40 filings · Student loan
Same-product relief peers
Nearest relief peer: Slm Corporation (14.9% relief)
Cognition Financial Corporation closes 15% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Coded fields dominate Cognition Financial Corporation's 40 filings
Only 10% include narrative text, so product/issue codes carry most of what can be read here. The two counts still add to total filings.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Cognition Financial Corporation complaint mix by product
- Student loan 36 90.0% – 17% relief
- Debt collection 3 7.5% – 0% relief
- Bank account 1 2.5% – 0% relief
How Cognition Financial Corporation's 40 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 36 |
| Debt collection | 3 |
| Bank account or service | 1 |
Where Cognition Financial Corporation complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 15% of this company's filings
Cognition Financial Corporation falling annual filings
Annual filing volume from the CFPB public database
- 2018
- 1
- -96.2% vs 2012
Top States
| State | Complaints |
|---|---|
| TX | 6 |
| GA | 3 |
| AZ | 3 |
| FL | 3 |
| IN | 3 |
| NC | 3 |
| MA | 3 |
| CT | 2 |
| CA | 2 |
| KY | 2 |
| MI | 2 |
| OH | 2 |
| IL | 2 |
| CO | 1 |
| WI | 1 |
| NY | 1 |
| NE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problems when you are unable to pay | 17 |
| Repaying your loan | 13 |
| Dealing with my lender or servicer | 4 |
| Communication tactics | 2 |
| Dealing with your lender or servicer | 2 |
| Account opening, closing, or management | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 26 | 100% |
| 2013 | 4 | 100% |
| 2014 | 2 | 100% |
| 2015 | 2 | 100% |
| 2016 | 2 | 100% |
| 2017 | 3 | 100% |
| 2018 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Cognition Financial Corporation filings cluster in one product
Cognition Financial Corporation's 40 logged complaints stay concentrated: only 17 states show a filing. Only 10% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2012 through 2018-02-01.
Cognition Financial Corporation answers 100% of complaints inside the CFPB's tracked window and closes 85% with a written explanation. 15% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Problems when you are unable to pay."
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 Cognition Financial Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Cognition Financial Corporation: 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: 40.
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 Cognition Financial Corporation (100% timely; 15% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration