CFPB · Single-product concentration

Sfmc L.P.

36 CFPB complaints · 88.9% in "Mortgage" · top issue Trouble during payment process.

36 CFPB complaints

Sfmc L.P.: 88.9% of 36 CFPB complaints sit in "Mortgage". Timely 66.7% · relief 5.6%. Allegations, not findings.

  • Single-product concentration
  • +66.7% filings 2016 to 2026

CFPB relief outcome brief

CCDB company sfmc-l-p

5.6% relief · 66.7% timely · 36 filings · Mortgage

Nearest relief peer: Flagstar Bank, N.A. (5.6% relief)

Sfmc L.P. (this)5.6%Credit Bureau of CarbonCounty3%Credit Service Company0%Independent Bank Corp.15%American Capital Enterprises,Inc.1%
Closed-with-relief % among Sfmc L.P. and nearest filing-volume peers

Sfmc L.P. closes 5.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Response Quality Score

Sfmc L.P. scores strongest on closed with explanation (44/100 percentile-benchmarked) and weakest on relief provided (26/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.

35 /100 grade F

Relief provided

26 / 100 percentile-benchmarked

5.6% of complaints closed with relief to the consumer

Timely response

42 / 100 percentile-benchmarked

66.7% of complaints answered inside the CFPB 15-day window

Closed with explanation

44 / 100 percentile-benchmarked

69.4% of complaints closed with an explanation to the consumer

Most of Sfmc L.P.'s 36 filings include narrative text

55.6% 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.

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Timely response rate 66.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 5.6%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Sfmc L.P. complaint mix by product

Total complaints: 36

Sfmc L.P. complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 36 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Mortgage: 32 complaints (88.9%), resolution 6.3% Mortgage 88.9% Credit reporting: 3 complaints (8.3%), resolution 0.0% Credit reporting 8.3% Checking or: 1 complaints (2.8%), resolution 0.0%
  • Mortgage 32 88.9% – 6% relief
  • Credit reporting 3 8.3% – 0% relief
  • Checking or 1 2.8% – 0% relief

How Sfmc L.P.'s 36 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Mortgage 32
Credit reporting or other personal consumer reports 3
Checking or savings account 1

Concentrated filing states for Sfmc L.P.

Top states by attributed CFPB complaint volume for this company

Concentrated footprint
Leading state
TX
88.9% of this company's filings
TX32CO1FL1IL1TN1

Sfmc L.P. rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
5
+66.7% vs 2016
02468 2016201820192020202120222023202420252026 5

Top States

State Complaints
TX 32
CO 1
FL 1
IL 1
TN 1

Top Issues

Issue Complaints
Trouble during payment process 10
Closing on a mortgage 8
Struggling to pay mortgage 7
Applying for a mortgage or refinancing an existing mortgage 3
Incorrect information on your report 2
Improper use of your report 1
Problem with a company's investigation into an existing problem 1
Closing an account 1
Loan servicing, payments, escrow account 1
Application, originator, mortgage broker 1
Loan modification,collection,foreclosure 1

Yearly Trend

Year Complaints Timely
2016 3 33.3%
2018 1 100%
2019 1 100%
2020 3 100%
2021 4 100%
2022 5 100%
2023 4 75%
2024 3 66.7%
2025 7 57.1%
2026 5 0%

Source: CFPB Consumer Complaint Database

Sfmc L.P. filings cluster in one product

Sfmc L.P.'s 36 logged complaints stay concentrated: only 5 states show a filing. 55.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-03-30.

Sfmc L.P. answers 66.7% of complaints inside the CFPB's tracked window and closes 69.4% with a written explanation. 5.6% 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 Sfmc L.P..

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Sfmc L.P.: 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.

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 Sfmc L.P. (66.7% timely; 5.6% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration