Total complaints
12
Filed since Acce
2026 data Public-data reference. official source
TILA
12 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
12 consumer complaints filed with the CFPB
This profile shows TILA's complaint history from CFPB public records. 12 consumers have filed complaints since Acce. The company has a 0% timely response rate and has provided relief in 0% of cases.
12
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
9
States Active
Acce
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.
TILA complaint mix by product
- never authorized 2 22.2% – 0% relief
- I will 2 22.2% – 0% relief
- XXXX XXXX 1 11.1% – 0% relief
- CareGard warranty 1 11.1% – 0% relief
- which is 1 11.1% – 0% relief
- QWR under 1 11.1% – 0% relief
- XXXX XXXX 1 11.1% – 0% relief
How TILA's 12 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| never authorized | 2 |
| I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) | 2 |
| XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX and XXXX XXXX XXXX have committed IDENTITY THEFT by using my name | 1 |
| CareGard warranty | 1 |
| which is required to be in compliance with Title 62 of the Revised Statutes | 1 |
| QWR under RESPA and demand under TILA to Servicer JP Morgan Chase to disclose the owner of the obligation for the property located at XXXX XXXX XXXX | 1 |
| XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX have committed IDENTITY THEFT by using my name | 1 |
| I have discovered a XXXX number associated with my property confirming that my mortgage note was illegally securitized by Mr. Cooper. These actions constitute clear Mortgage Fraud | 1 |
| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have committed IDENTITY THEFT by using my name | 1 |
| including : MOHELA has the wrong school attached to my loan in their system The promissory note lists a different school | 1 |
Top States
| State | Complaints |
|---|---|
| RESPA | 2 |
| and related statutes. | 2 |
| RESPA and CA Rosenthal. | 2 |
| and UDAP standards.,,NISSAN MOTOR ACCEPTANCE COMPANY LLC,TX,76052,,Consent provided,Web,2025-11-20,Closed with explanation,Yes,N/A,17353066 | 1 |
| Fair Debt Collections Act | 1 |
| RESPA and refused to disclose the source of authority and funds. JP Morgan ignores my repetitive demands to stop its criminal servicing and collection activities [ racket ] and continues to make payments to XXXX XXXX without any authority and over my objections. I once again demand JP Morgan Chase and its fully owned subsidiary XXXX to CEASE and DESIST it servicing activities | 1 |
| RESPA and CA XXXX. There are no signed agreements | 1 |
| FCRA | 1 |
| HEA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| private and personal information to create account # XXXX without my consent and authorization | 3 |
| refused to provide legally-required documentation | 2 |
| and the Pennsylvania Attorney Generals Office. I also reserve the right to initiate legal action for actual | 2 |
| inflated loan terms | 1 |
| TILA | 1 |
| MI XXXX. Demand to Servicer JP Morgan Chase immediately cease and desist its criminal servicing activities aka racket under XXXX act and insurance fraud by illegally making payments for my home insurance to XXXX XXXX from unknown to me funds and under unknown to me authority. During all time in question Servicer JP Morgan Chase criminally makes payments for my home insurance policy | 1 |
| Unjust Enrichment | 1 |
| not to the school Funds were used for non-tuition expenses Tuition Answer Loans were not school-certified These characteristics mean the loan does not meet the legal definition of a Qualified Education Loan under federal law MOHELA is requiring documentation that is impossible to provide because of their own incorrect school data I may have been charged interest or payments incorrectly for years due to these errors Their internal documentation conflicts with the legally binding promissory note This situation appears to involve improper loan classification | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About TILA
TILA has accumulated 12 consumer complaints in the CFPB public database, with filings active across 9 U.S. states. Of those submissions, 8 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 Acce, and the most recent logged activity is You falsel, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, TILA 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 "never authorized", and the single most common underlying issue is "private and personal information to create account # XXXX without my consent and authorization".
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 TILA: 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 TILA have?
TILA has received 12 consumer complaints filed with the Consumer Financial Protection Bureau.
Does TILA respond to complaints on time?
TILA has a 0% timely response rate to CFPB complaints.
What is the most common complaint about TILA?
The most common issue reported against TILA is "private and personal information to create account # XXXX without my consent and authorization" in the "never authorized" product category.
Read our methodology — how this data is sourced, computed, and verified.
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