CFPB Consumer Complaint Profile
Cardinal Financial Company, Limited Partnership
Consumers have filed 750 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 750
- Total complaints
- Among the highest
- 44
- Last 12 months
- 97.1%
- Timely response
- Below median
- 46
- States affected
The verdict
Cardinal Financial Company, Limited Partnership ranks #398 of 3,843 financial companies by CFPB complaint volume, with 750 complaints on record. On-time replies land at 97.1%, the 40th percentile for the 100+ complaint peer group.
- #398
- of 3,843 companies by volume
- 97.1%
- on time (40th pctile)
- Mortgage
- most-complained product
- 46
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Cardinal Financial Company, Limited Partnership vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.1% Around the middle higher than 40% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 79 in 2024 to 54 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 13 |
| 2015 | 27 |
| 2016 | 47 |
| 2017 | 25 |
| 2018 | 29 |
| 2019 | 29 |
| 2020 | 77 |
| 2021 | 131 |
| 2022 | 116 |
| 2023 | 113 |
| 2024 | 79 |
| 2025 | 54 |
| 2026year in progress | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cardinal Financial Company, Limited Partnership
The CFPB Consumer Complaint Database has logged 750 complaints against Cardinal Financial Company, Limited Partnership overall, with 44 of those filed in the trailing 12 months. Reports have come from consumers in 46 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Cardinal Financial Company, Limited Partnership's timely response rate stands at 97.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 21.8% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 7.6% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Cardinal Financial Company, Limited Partnership have?
Cardinal Financial Company, Limited Partnership has 750 total consumer complaints filed with the CFPB, with 44 filed in the last 12 months.
Does Cardinal Financial Company, Limited Partnership respond to complaints on time?
CFPB complaints against Cardinal Financial Company, Limited Partnership draw a 97.1% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Cardinal Financial Company, Limited Partnership?
Among all products tied to Cardinal Financial Company, Limited Partnership, "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Cardinal Financial Company, Limited Partnership?
"Trouble during payment process" is the single most frequently cited issue in complaints against Cardinal Financial Company, Limited Partnership - see all issues and counts above.
How do I file a complaint against Cardinal Financial Company, Limited Partnership?
You can file a complaint against Cardinal Financial Company, Limited Partnership directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Cardinal Financial Company, Limited Partnership?
Consumers in 46 states and territories have filed complaints about Cardinal Financial Company, Limited Partnership with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Cardinal Financial Company, Limited Partnership: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.8% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.