that this is not my fault

What the CFPB Record Shows About that this is not my fault

that this is not my fault 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 Yes, and the most recent logged activity is Yes, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, that this is not my fault 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 "XXXX just had a daughter", and the single most common underlying issue is "it should have been an amount I am approved on WITHOUT having to buy down my rate. That way I could have looked for a cheaper home or make the decision on my own instead of waiting until Im already under contact and close to closing. Not to mention on my closing disclosure it showed that I would be responsible for covering the re lock fee ( rate had to be re locked due to closing delay which comes with a large fee ). That is highly unfair considering the delay was not my fault AT ALL. My husband asked XXXX if I would be responsible for that fee ( the CD wasnt final ) and no response of course and I even told him I am refusing to cover that. Again".

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 that this is not my fault: 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.