Total complaints
5
Filed since Afte
2026 data Public-data reference. official source
Payment Rating
5 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
5 consumer complaints filed with the CFPB
This profile shows Payment Rating's complaint history from CFPB public records. 5 consumers have filed complaints since Afte. The company has a 0% timely response rate and has provided relief in 0% of cases.
5
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
Afte
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.
Payment Rating complaint mix by product
- I discovered 3 60.0% – 0% relief
- preserve all 1 20.0% – 0% relief
- provide the 1 20.0% – 0% relief
How Payment Rating's 5 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I discovered several tradelines being reported with false late payments and conflicting data that violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) and 1681i ) and Metro 2 reporting standards. The following items are at issue XXXX XXXX XXXX Account # XXXX Each bureau lists this account as negative with a 30-day late notation despite showing a consistent Current payment status | 3 |
| preserve all documents/ESI relating XXXX this tradeline and my dispute ( XXXX ) | 1 |
| provide the complete method of verification | 1 |
Top States
| State | Complaints |
|---|---|
| and Compliance Condition Code fields. I demand this account be updated to Open {$390000.00} Pays as Agreed / Current or permanently deleted from all three bureaus for failure to verify. | 3 |
| DOFD | 1 |
| Payment History Profile | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| and an open | 3 |
| certifications received | 1 |
| physical address | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Payment Rating
Payment Rating has accumulated 5 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 5 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 Afte, and the most recent logged activity is Litigation, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Payment Rating 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 discovered several tradelines being reported with false late payments and conflicting data that violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) and 1681i ) and Metro 2 reporting standards. The following items are at issue XXXX XXXX XXXX Account # XXXX Each bureau lists this account as negative with a 30-day late notation despite showing a consistent Current payment status", and the single most common underlying issue is "and an open".
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 Payment Rating: 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 Payment Rating have?
Payment Rating has received 5 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Payment Rating respond to complaints on time?
Payment Rating has a 0% timely response rate to CFPB complaints.
What is the most common complaint about Payment Rating?
The most common issue reported against Payment Rating is "and an open" in the "I discovered several tradelines being reported with false late payments and conflicting data that violate the Fair Credit Reporting Act ( 15 USC 1681e ( b ) and 1681i ) and Metro 2 reporting standards. The following items are at issue XXXX XXXX XXXX Account # XXXX Each bureau lists this account as negative with a 30-day late notation despite showing a consistent Current payment status" product category.
Read our methodology — how this data is sourced, computed, and verified.
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