Total complaints
7
Filed since As I
2026 data Public-data reference. official source
instead
7 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
7 consumer complaints filed with the CFPB
This profile shows instead's complaint history from CFPB public records. 7 consumers have filed complaints since As I. The company has a 0% timely response rate and has provided relief in 0% of cases.
7
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
7
States Active
As I
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
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.
instead complaint mix by product
- I will 1 14.3% – 0% relief
- time and 1 14.3% – 0% relief
- I connected 1 14.3% – 0% relief
- it was 1 14.3% – 0% relief
- my payment 1 14.3% – 0% relief
- MI and 1 14.3% – 0% relief
- I received 1 14.3% – 0% relief
How instead's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I will instead focus my complaint on the XXXX payment I made in XX/XX/XXXX | 1 |
| time and time again | 1 |
| I connected the XXXX XXXX XXXX gateway to access the Internet service I pay for each month | 1 |
| it was supposed to be my first day that enjoying their service. Instead | 1 |
| my payment should be ( XXXX ) whenever I'm late I always add the late fee ( XXXX ) | 1 |
| MI and now Headquarters | 1 |
| I received a phone call from another teller to tell me that out of my 2 joint accounts that were under investigation for fraud one had a negative balance | 1 |
Top States
| State | Complaints |
|---|---|
| exited the chat. | 1 |
| spread this frustrating period over a month and a half. | 1 |
| began to bully | 1 |
| they push those responsibilities to clients and repeatedly request their credentials to prove who they are | 1 |
| they apply what I should be paying per month ( XXXX ). This is manipulation on their before to defraud. I also have documents attached to prove that as well. When I question why they are posting the wrong amount of payment on my account | 1 |
| all I have received is pain and suffering from my own bank. Now | 1 |
| could I please take the available {$270.00} so that I could feed my children and put gas in my car to get my husband to and from his appointments. She then told me no | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| but she insisted that I would not be able to pay my purchase balance unless its interest rate increased beyond the 6.99 % of my flex loan or unless I paid my flex loan in full first | 1 |
| only to be told that something else was needed after a 3-4 day delay. We supplied that information immediately each time within one business day. Then | 1 |
| none of my devices would be able to connect either. This IP Address XXXX is an XXXX XXXX XXXX Technician remote access connection. However | 1 |
| which I even did not make any transaction. They also ignored customers ' special situation | 1 |
| but I pay ( XXXX ) which is wrong | 1 |
| banking client | 1 |
| while the other had a positive balance. The negative balance was something like- {$570.00} and the positive balance was {$130.00} | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About instead
instead has accumulated 7 consumer complaints in the CFPB public database, with filings active across 7 U.S. states. Of those submissions, 7 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 As I, and the most recent logged activity is While I am, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, instead reports a 0% timely-response rate and has closed 0% 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 "I will instead focus my complaint on the XXXX payment I made in XX/XX/XXXX", and the single most common underlying issue is "but she insisted that I would not be able to pay my purchase balance unless its interest rate increased beyond the 6.99 % of my flex loan or unless I paid my flex loan in full first".
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 instead: 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.
Consumer Guides
Learn more about your rights and how to interpret complaint data.
Related Data
Explore additional financial data about companies, lenders, and institutions on our partner portals.
PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.
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 instead have?
instead has received 7 consumer complaints filed with the Consumer Financial Protection Bureau.
Does instead respond to complaints on time?
instead has a 0% timely response rate to CFPB complaints.
What is the most common complaint about instead?
The most common issue reported against instead is "but she insisted that I would not be able to pay my purchase balance unless its interest rate increased beyond the 6.99 % of my flex loan or unless I paid my flex loan in full first" in the "I will instead focus my complaint on the XXXX payment I made in XX/XX/XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
