CFPB · Lower closed-with-relief share
EdFinancial Services
9.1K CFPB complaints · 0% relief (low band) · top issue Dealing with your lender or servicer.
EdFinancial Services closes 0% with relief (lower third) on 9.1K filings. Timely 76.4% · top product Student loan. Allegations, not findings.
- Lower closed-with-relief share
- +49600% filings 2012 to 2026
CFPB relief outcome brief
CCDB company edfinancial-services
0% relief · 76.4% timely · 9.1K filings · Student loan
Same-product relief peers
Nearest relief peer: Servicer under contract with Federal Student Aid (0% relief)
EdFinancial Services closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
EdFinancial Services scores strongest on closed with explanation (99/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
59 / 100 percentile-benchmarked
76.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.3% of complaints closed with an explanation to the consumer
Most of EdFinancial Services's 9.1K filings include narrative text
41.9% 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.
EdFinancial Services complaint mix by product
- Student loan 6K 64.6% – 0% relief
- Credit reporting 2K 25.8% – 0% relief
- Debt collection 555 6.1% – 0% relief
- Credit reporting, 292 3.2% – 0% relief
- Debt or 11 0.1% – 0% relief
- Credit card 7 0.1% – 0% relief
- Checking or 6 0.1% – 0% relief
Heavy-volume mix: how EdFinancial Services's 9.1K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 5.9K |
| Credit reporting or other personal consumer reports | 2.4K |
| Debt collection | 555 |
| Credit reporting, credit repair services, or other personal consumer reports | 292 |
| Debt or credit management | 11 |
| Credit card | 7 |
| Checking or savings account | 6 |
| Credit card or prepaid card | 4 |
| Credit reporting | 2 |
| Money transfer, virtual currency, or money service | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Consumer Loan | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for EdFinancial Services
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 9.7% of this company's filings
EdFinancial Services rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.5K
- +49600% vs 2012
Volume vs. relief
Where EdFinancial Services sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, EdFinancial Services files more complaint volume than 79% of them, and closes complaints with relief more often than 0% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 9,149 · Closed with relief: 0.0%
Top States
| State | Complaints |
|---|---|
| TX | 891 |
| CA | 870 |
| FL | 749 |
| NY | 572 |
| GA | 546 |
| PA | 376 |
| IL | 366 |
| MA | 329 |
| NJ | 302 |
| NC | 276 |
| VA | 268 |
| MI | 264 |
| OH | 243 |
| MD | 240 |
| SC | 206 |
| TN | 172 |
| WA | 168 |
| AZ | 166 |
| LA | 152 |
| CO | 140 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 4.1K |
| Incorrect information on your report | 2.1K |
| Improper use of your report | 802 |
| Struggling to repay your loan | 666 |
| Problem with a company's investigation into an existing problem | 544 |
| Attempts to collect debt not owed | 230 |
| Took or threatened to take negative or legal action | 180 |
| False statements or representation | 75 |
| Credit monitoring or identity theft protection services | 74 |
| Problem with a credit reporting company's investigation into an existing problem | 74 |
| Dealing with my lender or servicer | 68 |
| Written notification about debt | 47 |
| Problem with fraud alerts or security freezes | 40 |
| Getting a loan | 33 |
| Can't repay my loan | 20 |
| Communication tactics | 8 |
| Electronic communications | 8 |
| Issue where my lender is my school | 7 |
| Unable to get your credit report or credit score | 7 |
| Repaying your loan | 4 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 3 | 100% |
| 2013 | 1 | 100% |
| 2015 | 3 | 100% |
| 2016 | 59 | 100% |
| 2017 | 66 | 98.5% |
| 2018 | 77 | 97.4% |
| 2019 | 66 | 100% |
| 2020 | 50 | 100% |
| 2021 | 74 | 100% |
| 2022 | 996 | 99.3% |
| 2023 | 1.5K | 35.1% |
| 2024 | 1.5K | 33.6% |
| 2025 | 3.3K | 94.6% |
| 2026 | 1.5K | 99.2% |
Source: CFPB Consumer Complaint Database
EdFinancial Services in the lower-relief third
EdFinancial Services's 9,149 logged complaints reach a nationwide footprint - 56 states have at least one filing. 41.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-06-25. Closed-with-relief 0% sits in the lower third of the corpus.
EdFinancial Services closes 0% with monetary or non-monetary relief and answers 76.4% inside the CFPB window; 99.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Student loan" · top issue "Dealing with your lender or servicer."
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 EdFinancial Services.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for EdFinancial Services: 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: 9.1K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 76.4%.
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 EdFinancial Services (#71 of 342; 76.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lower closed-with-relief share