CFPB · Narrative-heavy record
EarnUp Inc.
17 CFPB complaints · 82.4% with narratives · top issue Trouble during payment process.
EarnUp Inc.: 82.4% of 17 filings include consumer narratives. Timely 82.4% · relief 17.6% · top product Mortgage. Allegations, not findings.
- Narrative-heavy record
- -80% filings 2019 to 2024
CFPB relief outcome brief
CCDB company earnup-inc
17.6% relief · 82.4% timely · 17 filings · Mortgage
Same-product relief peers
Nearest relief peer: Bancorpsouth Bank (17.5% relief)
EarnUp Inc. closes 17.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of EarnUp Inc.'s 17 filings include narrative text
82.4% 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.
EarnUp Inc. complaint mix by product
- Mortgage 11 64.7% – 27% relief
- Money transfer, 4 23.5% – 0% relief
- Credit reporting, 2 11.8% – 0% relief
How EarnUp Inc.'s 17 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 11 |
| Money transfer, virtual currency, or money service | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
Where EarnUp Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- VA
- 17.6% of this company's filings
EarnUp Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 1
- -80% vs 2019
Top States
| State | Complaints |
|---|---|
| VA | 3 |
| CA | 3 |
| MO | 1 |
| MD | 1 |
| PA | 1 |
| NV | 1 |
| OH | 1 |
| IA | 1 |
| MI | 1 |
| KY | 1 |
| DC | 1 |
| AZ | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 11 |
| Other service problem | 1 |
| Money was not available when promised | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Other transaction problem | 1 |
| Confusing or misleading advertising or marketing | 1 |
| Incorrect information on your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2019 | 5 | 100% |
| 2020 | 5 | 80% |
| 2021 | 3 | 100% |
| 2022 | 1 | 100% |
| 2023 | 2 | 50% |
| 2024 | 1 | 0% |
Source: CFPB Consumer Complaint Database
EarnUp Inc.'s narrative-rich complaint ledger
EarnUp Inc.'s 17 logged complaints stay concentrated: only 13 states show a filing. 82.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2019 through 2024-02-22.
EarnUp Inc. answers 82.4% of complaints inside the CFPB's tracked window and closes 82.4% with a written explanation. 17.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
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 EarnUp Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for EarnUp 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: 17.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 82.4%.
- U.S. Auto Sales Inc. Δ 0.1 pts · 212 complaints 82.5%timely
- Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch Δ 0.2 pts · 356 complaints 82.6%timely
- Collins Asset Group, LLC Δ 0.2 pts · 242 complaints 82.6%timely
- Collection Consultants of California Δ 0.2 pts · 297 complaints 82.2%timely
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 EarnUp Inc. (82.4% timely; 17.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record