CFPB · Single-product concentration
On Q Financial
54 CFPB complaints · 81.5% in "Mortgage" · top issue Trouble during payment process.
On Q Financial: 81.5% of 54 CFPB complaints sit in "Mortgage". Timely 96.3% · relief 14.8%. Allegations, not findings.
- Single-product concentration
- +100% filings 2013 to 2025
CFPB relief outcome brief
CCDB company on-q-financial
14.8% relief · 96.3% timely · 54 filings · Mortgage
Same-product relief peers
Nearest relief peer: Cit Bank, National Association (14.8% relief)
On Q Financial closes 14.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of On Q Financial's 54 filings include narrative text
48.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
On Q Financial complaint mix by product
- Mortgage 44 81.5% – 18% relief
- Credit reporting 5 9.3% – 0% relief
- Credit reporting, 4 7.4% – 0% relief
- Debt collection 1 1.9% – 0% relief
How On Q Financial's 54 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 44 |
| Credit reporting or other personal consumer reports | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Debt collection | 1 |
Where On Q Financial complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 18.5% of this company's filings
On Q Financial rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 2
- +100% vs 2013
Top States
| State | Complaints |
|---|---|
| GA | 10 |
| CA | 9 |
| VA | 6 |
| FL | 6 |
| SC | 5 |
| AZ | 5 |
| NC | 2 |
| TX | 2 |
| CO | 2 |
| NV | 2 |
| OR | 1 |
| WA | 1 |
| IN | 1 |
| MD | 1 |
| MO | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Trouble during payment process | 20 |
| Struggling to pay mortgage | 7 |
| Closing on a mortgage | 5 |
| Application, originator, mortgage broker | 4 |
| Applying for a mortgage or refinancing an existing mortgage | 4 |
| Problem with a company's investigation into an existing problem | 3 |
| Incorrect information on your report | 3 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Loan servicing, payments, escrow account | 2 |
| Improper use of your report | 2 |
| Attempts to collect debt not owed | 1 |
| Settlement process and costs | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 2 | 100% |
| 2015 | 1 | 100% |
| 2016 | 2 | 100% |
| 2017 | 2 | 100% |
| 2018 | 3 | 100% |
| 2020 | 6 | 100% |
| 2021 | 9 | 100% |
| 2022 | 15 | 100% |
| 2023 | 10 | 100% |
| 2024 | 1 | 0% |
| 2025 | 2 | 50% |
Source: CFPB Consumer Complaint Database
On Q Financial filings cluster in one product
On Q Financial's 54 logged complaints stay concentrated: only 15 states show a filing. 48.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2025-06-06.
On Q Financial answers 96.3% of complaints inside the CFPB's tracked window and closes 85.2% with a written explanation. 14.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Trouble during payment process."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about On Q Financial.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for On Q Financial: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 54.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.3%.
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.
Data sourced from official public datasets for On Q Financial (96.3% timely; 14.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration