Total complaints
41
Filed since 1. O
2026 data Public-data reference. official source
therefore
41 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
41 consumer complaints filed with the CFPB
This profile shows therefore's complaint history from CFPB public records. 41 consumers have filed complaints since 1. O. The company has a 0% timely response rate and has provided relief in 0% of cases.
41
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
32
States Active
1. O
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.
therefore complaint mix by product
- rather the 5 31.3% – 0% relief
- negative credit 3 18.8% – 0% relief
- XXXX XXXX 2 12.5% – 0% relief
- such as 2 12.5% – 0% relief
- distribute or 2 12.5% – 0% relief
- a mortgage 1 6.3% – 0% relief
- and unknowingly 1 6.3% – 0% relief
How therefore's 41 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| rather the Debtor since having committed identity theft | 5 |
| negative credit information | 3 |
| XXXX XXXX XXXX ( XXXX XXXX XXXX ) | 2 |
| such as gross misstatement of the amount in default | 2 |
| distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. E-mail transmission can not be guaranteed to be secure or error-free as information could be intercepted | 2 |
| a mortgage was taken out with XXXX to fix the properties | 1 |
| and unknowingly to me | 1 |
| I did not immediately notice the fraudulent transactions. Additionally | 1 |
| in Venmo 's reply | 1 |
| including these rights : I have disputed this fraudulent debt in writing | 1 |
| which I did | 1 |
| I signed the revised contract | 1 |
| gold and silver is the only tenders of payments. 31 U.S. Code 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay | 1 |
| recognizing similar unauthorized inquiries from XXXX | 1 |
| gold and silver is the only tenders of payments. XXXX U.S. Code XXXX. Payment of obligations and interest on the public debt ( a ) The faith of the XXXX XXXX XXXX is pledged to pay | 1 |
| I received a notification saying that there has been a change to my credit report. Personal Finance sold the fraudulent account to XXXX XXXX XXXX | 1 |
| Seterus | 1 |
| however | 1 |
| so I called the Chase card company on the phone number ( XXXX ) XXXX on XX/XX/XXXX to request for chargeback | 1 |
| XXXX | 1 |
| or a portion thereof | 1 |
| named XXXX XXXX XXXX | 1 |
| please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the XXXX XXXX responded on XX/XX/2018 Company 's Response According to our system | 1 |
| and my father SF | 1 |
| after researching the matter | 1 |
| I paid my home insurance premium to my insurer ( XXXX ) | 1 |
| and XXXX XXXX obtained all our information against our wishes | 1 |
| total of payments | 1 |
| all because no one took action immediately and practice their duty of care | 1 |
| Citibank closed my credit card and opened a fraud case. On XX/XX/XXXX | 1 |
| please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the FDRA Company responded on XX/XX/2018 Company 's Response According to our system | 1 |
| I spoke to XXXX XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| causing | 5 |
| must be removed immediately from my credit reports. | 3 |
| not just an error but fraudulent intent designed to perpetuate harm. | 2 |
| we are unable to accede to your request for monetary compensation. | 2 |
| does not accept liability for any errors or omissions in the contents of this message | 2 |
| the loan was not valid because it was not a commercial transaction as the bank wanted to claim. | 1 |
| the money was taken out of my account and paid to this individual | 1 |
| I had not noticed it was not in my wallet until I was on the phone with the BoFA agent making the dispute. | 1 |
| is not eligible for Venmo Purchase Protection | 1 |
| until it is validated | 1 |
| making it inappropriate for me to have any contact with him due to his connection to my loan. When sharing this information with the lender | 1 |
| XXXX is nonrefundable. | 1 |
| a violation of 15 USC 1692e ( 2 ) ( A ). | 1 |
| are deemed illegal | 1 |
| a violation of XXXX USC XXXXe ( XXXX ) ( A ). | 1 |
| giving me no hope for a solution. | 1 |
| they ( Seterus ) can not add unnecessary and onerous restrictions to the disbursements of funds. I further contend that they are intentionally delaying this process in order to force place '' expensive insurance,,Seterus | 1 |
| the claim is time-barred. In addition the claim being time-barred | 1 |
| you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5 | 1 |
| I must provide a proof that it was not unauthorized transaction | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| fraud | 5 |
| collections | 3 |
| particularly when fraud or identity theft is involved. Furthermore | 2 |
| principal and interest on the obligations of the Government. Furthermore | 2 |
| therefore | 2 |
| and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX | 2 |
| an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported | 2 |
| lost | 2 |
| the federal government closed XXXX and the mortgage was acquired by Banco Popular de Puerto Rico in XXXX. Banco Popular de Puerto Rico left the mortgage on both properties and added a XXXX XXXX payable personally to the same Banco Popular. Banco Popular de Puerto Rico never allowed us to see the account | 1 |
| his name is XXXX XXXX ( as seen printed on the back of the original check image ) On XX/XX/XXXX | 1 |
| giving me no reason to scrutinize my account closely. XX/XX/XXXX | 1 |
| A personal payment is money you send for a gift | 1 |
| because you failed to produce these items for verification before you took legal action you are in violation of my FDCPA rights | 1 |
| the loan holder | 1 |
| they told me my loan is all good to go. After few days later | 1 |
| XXXX XXXX XXXXXXXX XXXX XXXX | 1 |
| IL to inquire. The representatives stated that they no longer had access to the account and directed me to contact their Customer Relations team ( XXXX ) XXXX XXXX. While going over the fraudulent account with the Relations agent | 1 |
| they need to be performed by a licenced contractor. I contend that this requirement was not is my original mortgage documents with XXXX Bank on XXXX | 1 |
| but I canceled the ticket before the completion of XXXX hours from the purchase. Next day on XX/XX/XXXX | 1 |
| but that it would take 6-8 weeks. I told XXXX XXXX that I wanted to think about it. She agreed and said she would call me next week. Later that day | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About therefore
therefore has accumulated 41 consumer complaints in the CFPB public database, with filings active across 32 U.S. states. Of those submissions, 34 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 1. O, and the most recent logged activity is Your finan, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, therefore reports a 0% timely-response rate and has closed 2.4% 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 "rather the Debtor since having committed identity theft", and the single most common underlying issue is "fraud".
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 therefore: 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 therefore have?
therefore has received 41 consumer complaints filed with the Consumer Financial Protection Bureau.
Does therefore respond to complaints on time?
therefore has a 0% timely response rate to CFPB complaints.
What is the most common complaint about therefore?
The most common issue reported against therefore is "fraud" in the "rather the Debtor since having committed identity theft" product category.
Read our methodology — how this data is sourced, computed, and verified.
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