open and current

What the CFPB Record Shows About open and current

open and current 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 XXXX, and the most recent logged activity is XXXX XXXX , giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, open and current 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 "We have reviewed your complaint in which you express concerns regarding the information being furnished to the credit reporting agencies ( CRAs ). We have confirmed that our reports to XXXX and XXXX are accurately reflected in your report. However", and the single most common underlying issue is "we have submitted a manual correction request with Experian to update the reporting. The AUD confirmation number for this correction is XXXX. You can use this number to confirm the correction with the CRAs directly. For XX/XX/2023".

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 open and current: 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.