Total complaints
32
Filed since ( b
2026 data Public-data reference. official source
which
32 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
32 consumer complaints filed with the CFPB
This profile shows which's complaint history from CFPB public records. 32 consumers have filed complaints since ( b . The company has a 0% timely response rate and has provided relief in 0% of cases.
32
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
19
States Active
( b
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.
which complaint mix by product
- the payment 9 45.0% – 0% relief
- a debt 4 20.0% – 0% relief
- XXXX 2 10.0% – 0% relief
- the payment 2 10.0% – 0% relief
- and checking 1 5.0% – 0% relief
- and my 1 5.0% – 0% relief
- which are 1 5.0% – 0% relief
How which's 32 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.Formal Dispute of Charge-Off Reporting and Demand for Removal To Whom It May Concern | 9 |
| a debt collector may not use any false | 4 |
| XXXX | 2 |
| the payment date of certificates of indebtedness and Treasury bills may not be more than XXXX year after the date of issue.Formal Dispute of Charge-Off Reporting and Demand for Removal To Whom It May Concern | 2 |
| and checking in with my family | 1 |
| and my minimum due was {$0.00} | 1 |
| which are my husband 's pay days. We have done it this way since day one of taking out this loan. Today | 1 |
| all of which indicated that XXXX XXXX requirement exceeds FNMAs guidelines. XXXX XXXX underwriting team even asserted that | 1 |
| in fact closer to 120 days now ( and still no dispute nor chargeback nor any problem whatsoever with my first transaction that Square claims I must refund ) | 1 |
| SOFI waited until the last minute before requesting proof of funds. Had they set a deadline | 1 |
| was that for this XXXX bill | 1 |
| this option provides you with a email XXXX. I have reached on to this website on XX/XX/XXXX | 1 |
| the Association | 1 |
| I immediately called a Banana Republic representative who was sympathetic to my situation and able to waive the late fees | 1 |
| so we immediately signed | 1 |
| but on the significant discrepancy between the service actually provided and the stated characteristics and quality standards | 1 |
| three months into the Covid-19 pandemic | 1 |
| due to the economic downturn | 1 |
| I logged into the Lending Club website in an attempt to determine why it had so reported my account and was shocked by the situation I found. The Payment History '' section of my account was riddled with inaccuracies. To begin with | 1 |
Top States
| State | Complaints |
|---|---|
| by definition | 11 |
| in my case | 4 |
| while better than the standard room | 1 |
| to me | 1 |
| when combined with the {$110.00} already paid | 1 |
| needless to say | 1 |
| as of the date of this complaint | 1 |
| in this instance | 1 |
| if you add to the 120 days that have already passed | 1 |
| had I done from the very beginning | 1 |
| because I was now paperless | 1 |
| I received a confirmation that it was received but never received a response I then was told Citi Mortgage sold their servicing to XXXX XXXX | 1 |
| I have done. ( It appears that the Association is taking the position that this representation is false | 1 |
| again | 1 |
| I believe is considered dual tracking ... | 1 |
| by virtue of the law | 1 |
| if Amex recalls my previous call to Amex | 1 |
| at the time | 1 |
| as discussed above | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| I have determined that this reporting is inaccurate | 11 |
| or misleading representation as it pertains to the character | 4 |
| but rather a general room facing a building. Please see picture attached. I immediately went downstairs to speak with the front desk supervisor ( XXXX Confirmation # XXXX ) | 1 |
| as I had completely paid that card off to zero balance and then cut up that personal credit card. I was told that it had an annual fee that was automatically charged to the account. I understood that | 1 |
| I manually paid {$110.00} on XX/XX/XXXX at around 11 PM. However | 1 |
| totally out of the blue | 1 |
| I had not heard anything back from the company. I called several times in early XXXX | 1 |
| according to XXXX XXXX XXXX XXXX | 1 |
| I am told the most infuriating of things that | 1 |
| their procrastination pushed the deal right to the brink. I then had to sign an extension with the buyer | 1 |
| Sears had raised my minimum due to {$27.00} instead of {$25.00}. So | 1 |
| XX/XX/XXXX | 1 |
| employee | 1 |
| which I did on XX/XX/XXXX of XXXX. The agency failed to respond within 30 days | 1 |
| via certified mail | 1 |
| -there is no clearly established and adhered to class schedule | 1 |
| as stated | 1 |
| retirement and education funds for our XXXX children | 1 |
| the Payment History '' section reflects multiple errors | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About which
which has accumulated 32 consumer complaints in the CFPB public database, with filings active across 19 U.S. states. Of those submissions, 31 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 ( b , and the most recent logged activity is What I lea, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, which 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 "the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.Formal Dispute of Charge-Off Reporting and Demand for Removal To Whom It May Concern", and the single most common underlying issue is "I have determined that this reporting is inaccurate".
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 which: 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 which have?
which has received 32 consumer complaints filed with the Consumer Financial Protection Bureau.
Does which respond to complaints on time?
which has a 0% timely response rate to CFPB complaints.
What is the most common complaint about which?
The most common issue reported against which is "I have determined that this reporting is inaccurate" in the "the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue.Formal Dispute of Charge-Off Reporting and Demand for Removal To Whom It May Concern" product category.
Read our methodology — how this data is sourced, computed, and verified.
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