2026 data Public-data reference. official source

GUARANTEED RATE INC.

492 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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492 consumer complaints filed with the CFPB

This profile shows GUARANTEED RATE INC.'s complaint history from CFPB public records. 492 consumers have filed complaints since 2012. The company has a 98.8% timely response rate and has provided relief in 4.1% of cases.

492
Total Complaints
98.8%
Timely Response
4.7%
Disputed
4.1%
Relief Provided
42
States Active
2012
Since

Total complaints

492

Filed since 2012

Timely response

98.8%

CFPB-tracked response window

Relief rate

4.1%

Closed with monetary or non-monetary relief

Timely response rate 98.8%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 4.1%
Industry median

Share closed with monetary or non-monetary relief.

GUARANTEED RATE INC. complaint mix by product

Total complaints: 492

GUARANTEED RATE INC. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 492 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Mortgage: 445 complaints (90.6%), resolution 4.3% Mortgage 90.6% Credit reporting,: 26 complaints (5.3%), resolution 3.8% Credit reporting: 11 complaints (2.2%), resolution 0.0% Debt collection: 6 complaints (1.2%), resolution 0.0% Credit card: 1 complaints (0.2%), resolution 0.0% Money transfer,: 1 complaints (0.2%), resolution 0.0% Debt or: 1 complaints (0.2%), resolution 0.0%
  • Mortgage 445 90.6% – 4% relief
  • Credit reporting, 26 5.3% – 4% relief
  • Credit reporting 11 2.2% – 0% relief
  • Debt collection 6 1.2% – 0% relief
  • Credit card 1 0.2% – 0% relief
  • Money transfer, 1 0.2% – 0% relief
  • Debt or 1 0.2% – 0% relief

How GUARANTEED RATE INC.'s 492 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Mortgage 445
Credit reporting, credit repair services, or other personal consumer reports 26
Credit reporting or other personal consumer reports 11
Debt collection 6
Credit card 1
Money transfer, virtual currency, or money service 1
Debt or credit management 1
Payday loan, title loan, or personal loan 1

Top States

State Complaints
IL 75
CA 63
TX 39
FL 33
MA 30
NJ 26
NC 21
GA 21
PA 20
AZ 18
CO 14
NY 12
CT 11
VA 8
MN 8
NV 8
IN 7
WA 7
MD 7
SC 6

Top Issues

Issue Complaints
Trouble during payment process 163
Applying for a mortgage or refinancing an existing mortgage 100
Closing on a mortgage 72
Application, originator, mortgage broker 43
Improper use of your report 26
Struggling to pay mortgage 21
Loan servicing, payments, escrow account 16
Incorrect information on your report 13
Settlement process and costs 12
Credit decision / Underwriting 7
Loan modification,collection,foreclosure 4
Took or threatened to take negative or legal action 3
Problem with a credit reporting company's investigation into an existing problem 3
Problem with a company's investigation into an existing problem 1
False statements or representation 1
Getting a credit card 1
Money was not available when promised 1
Confusing or missing disclosures 1
Written notification about debt 1
Problem when making payments 1

Yearly Trend

Year Complaints Timely
2012 8 100%
2013 13 100%
2014 19 100%
2015 16 100%
2016 20 100%
2017 27 100%
2018 13 100%
2019 16 100%
2020 49 91.8%
2021 109 98.2%
2022 64 100%
2023 41 100%
2024 29 100%
2025 44 100%
2026 24 100%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About GUARANTEED RATE INC.

GUARANTEED RATE INC. has accumulated 492 consumer complaints in the CFPB public database, with filings active across 42 U.S. states. Of those submissions, 195 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 2012, and the most recent logged activity is 2026-03-29, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, GUARANTEED RATE INC. reports a 98.8% timely-response rate and has closed 94.7% of cases with a written explanation to the consumer. 4.1% 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 4.7% 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 "Mortgage", and the single most common underlying issue is "Trouble during payment process".

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 GUARANTEED RATE INC.: 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 GUARANTEED RATE INC. have?

GUARANTEED RATE INC. has received 492 consumer complaints filed with the Consumer Financial Protection Bureau.

Does GUARANTEED RATE INC. respond to complaints on time?

GUARANTEED RATE INC. has a 98.8% timely response rate to CFPB complaints.

What is the most common complaint about GUARANTEED RATE INC.?

The most common issue reported against GUARANTEED RATE INC. is "Trouble during payment process" in the "Mortgage" product category.

Read our methodology — how this data is sourced, computed, and verified.

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