Total complaints
2
Filed since I ap
2026 data Public-data reference. official source
Instead
2 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
2 consumer complaints filed with the CFPB
This profile shows Instead's complaint history from CFPB public records. 2 consumers have filed complaints since I ap. The company has a 0% timely response rate and has provided relief in 0% of cases.
2
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
2
States Active
I ap
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
- as of 1 50.0% – 0% relief
- on XX/XX/XXXX 1 50.0% – 0% relief
How Instead's 2 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| as of XX/XX/19 | 1 |
| on XX/XX/XXXX I recieved a super generic letter inidacting that have completed thei research for the first two cehcks but they were unable to do anything further based on the amount of time that has passed. Furhtermore | 1 |
Top States
| State | Complaints |
|---|---|
| it offered numerous services | 1 |
| as a general rule. the UCC places a duty made through a fradulant check and since the check ( s ) in question were not properly payable these trasactions need to be refunded and the account holder made whole. In closing and for the record UCC 4-406 states that the account holder must expercise reasonable proptness in | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| that Experian had reported a FICO score of XXXX | 1 |
| as outlined to me from the ( OCC ) this is a guid and under subsetion ( c ) it clearly states the customer must exercise reasonable promptness in examining the statemnt provided. Furthermore | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Instead
Instead has accumulated 2 consumer complaints in the CFPB public database, with filings active across 2 U.S. states. Of those submissions, 2 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 I ap, and the most recent logged activity is On XX/XX/X, 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 "as of XX/XX/19", and the single most common underlying issue is "that Experian had reported a FICO score of XXXX".
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.
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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 Instead have?
Instead has received 2 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 "that Experian had reported a FICO score of XXXX" in the "as of XX/XX/19" product category.
Read our methodology — how this data is sourced, computed, and verified.
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