through rebates of unearned finance charges or insurance premiums

255 consumer complaints filed with the CFPB

This page summarizes consumer complaints about through rebates of unearned finance charges or insurance premiums products filed with the CFPB. 255 complaints have been filed across 16 companies. The most commonly reported issue is "the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash".

255
Total Complaints
16
Companies
the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash
Top Issue

Companies with Most through rebates of unearned finance charges or insurance premiums Complaints

# Company Complaints
1 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 204
2 any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 20
3 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase 15
4 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 3
5 or credit to a deposit account of the consumer 2
6 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,,EQUIFAX 1
7 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,,CAPITAL ONE FINANCIAL CORPORATION,FL,33056,,Consent provided,Web,2023-05-24,Closed with explanation,Yes,N/A,7023316 1
8 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,GA,30240,,Consent provided,Web,2024-03-31,Closed with explanation,Yes,N/A,8665024 1
9 any part of the credit balance remaining in the account for more than 6 months 1
10 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,Company believes it acted appropriately as authorized by contract or law,NAVY FEDERAL CREDIT UNION,FL,32506,,Consent provided,Web,2024-04-05,Closed with explanation,Yes,N/A,8706324 1
11 any part of the credit balance remaining in the account for more than six months. No further action is required if theconsumer 's current location is not known to thecreditorand can not be traced through theconsumer 's last known address or telephone number. 1
12 any part of the credit balance remaining in the account for more than XXXX months.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,932XX,,Consent provided,Web,2024-07-15,Closed with non-monetary relief,Yes,N/A,9513538 1
13 any part of the credit balance remaining in the account for more than six months.,,CarMax 1
14 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,32506,,Consent provided,Web,2024-04-05,Closed with explanation,Yes,N/A,8705758 1
15 any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( XXXX ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( XXXX ) Nothing in paragraph ( b ) ( XXXX ) of this section prohibits a creditor from terminating an account that is inactive for XXXX or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase 1
16 any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,32506,,Consent provided,Web,2024-04-05,Closed with explanation,Yes,N/A,8705486 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for through rebates of unearned finance charges or insurance premiums

255 consumer complaints have been filed with the CFPB under the "through rebates of unearned finance charges or insurance premiums" product category, naming 16 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within through rebates of unearned finance charges or insurance premiums, the single most common underlying consumer complaint is "the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around through rebates of unearned finance charges or insurance premiums, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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