the history with them

What the CFPB Record Shows About the history with them

the history with them has accumulated 2 consumer complaints in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 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 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, the history with them 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 "showing the exact same information between all three when it comes to actions ( payments and balances )", and the single most common underlying issue is "and payments towards the credit balance owed. Nothing in my credit history since one missed payment in 2022 should be causing me to have any significant loss in my credit score over the last year. Ive been working diligently since the end of XXXX to repair my credit as I have graduated from school and wanted to start my own business which requires a business loan and can only be acquired after hitting a minimum of XXXX for my credit score. This all happened when it was just within reach and as a result".

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 the history with them: 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.