Total complaints
1
Filed since We s
2026 data Public-data reference. official source
instead of closing
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows instead of closing's complaint history from CFPB public records. 1 consumers have filed complaints since We s. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
We s
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 of closing complaint mix by product
- and everything 1 100.0% – 0% relief
How instead of closing's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| and everything goes well | 1 |
Top States
| State | Complaints |
|---|---|
| the loan officer notified me in the afternoon that theloan was rejected and the contract will be canceled. She said she offered other solutions to the Biulder to correct loan but need to extend closing dates | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About instead of closing
instead of closing has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes 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 We s, and the most recent logged activity is We started, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, instead of closing 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 "and everything goes well", and the single most common underlying issue is "Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around 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 of closing: 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 of closing have?
instead of closing has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does instead of closing respond to complaints on time?
instead of closing has a 0% timely response rate to CFPB complaints.
What is the most common complaint about instead of closing?
The most common issue reported against instead of closing is "Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around XXXX" in the "and everything goes well" product category.
Read our methodology — how this data is sourced, computed, and verified.
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