Total complaints
4
Filed since 2022
2026 data Public-data reference. official source
GEM Financial
4 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
4 consumer complaints filed with the CFPB
This profile shows GEM Financial's complaint history from CFPB public records. 4 consumers have filed complaints since 2022. The company has a 100% timely response rate and has provided relief in 0% of cases.
4
Total Complaints
100%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
2022
Since
Timely response
100%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
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.
GEM Financial complaint mix by product
- Debt collection 3 75.0% – 0% relief
- Vehicle loan 1 25.0% – 0% relief
How GEM Financial's 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 3 |
| Vehicle loan or lease | 1 |
Top States
| State | Complaints |
|---|---|
| NE | 2 |
| AL | 1 |
| IA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 1 |
| Communication tactics | 1 |
| False statements or representation | 1 |
| Repossession | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 100% |
| 2023 | 1 | 100% |
| 2025 | 2 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About GEM Financial
GEM Financial has accumulated 4 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 3 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 2022, and the most recent logged activity is 2025-07-02, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, GEM Financial reports a 100% timely-response rate and has closed 100% 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 "Debt collection", and the single most common underlying issue is "Written notification about debt".
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 GEM Financial: 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 GEM Financial have?
GEM Financial has received 4 consumer complaints filed with the Consumer Financial Protection Bureau.
Does GEM Financial respond to complaints on time?
GEM Financial has a 100% timely response rate to CFPB complaints.
What is the most common complaint about GEM Financial?
The most common issue reported against GEM Financial is "Written notification about debt" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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