so I thought.

What the CFPB Record Shows About so I thought.

so I thought. has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. 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 I re, and the most recent logged activity is I received, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, so I thought. 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 "that will be 12 yrs in XX/XX/XXXX of this year ( XX/XX/XXXX ). On both of my accounts I have never been 30days late or have been reported as 30days late on my credit report. So I was in disbelief when this error in their system happened and no resolution or consideration has be taken. If my other accounts have maintained a positive payment history why would i start defaulting now and on this card. On XX/XX/XXXX my account was paid in full ( {$13000.00} ) with no balance left. I did that because I knew I was going to have some home projects and additional expenses coming up and wanted to start fresh for tracking purposes. Pay the full amount on XX/XX/XXXX", and the single most common underlying issue is "would mean no payment would be needed until XX/XX/XXXX. I then began using my card as expected and to stay on top of my bills I called in on the pay by phone option".

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 so I thought.: 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.