CFPB Consumer Complaint Profile
Carmel Financial Corporation, Inc.
50 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 50
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 21
- States affected
The verdict
50 CFPB complaints put Carmel Financial Corporation, Inc. at #1831 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1831
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting, cr…
- most-complained product
- 21
- 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.
Carmel Financial Corporation, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
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 |
|---|---|
| 2018 | 1 |
| 2019 | 9 |
| 2020 | 5 |
| 2021 | 24 |
| 2022 | 10 |
| 2023 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Carmel Financial Corporation, Inc.
50 complaints against Carmel Financial Corporation, Inc. appear in the CFPB record, including 0 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Carmel Financial Corporation, Inc. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Carmel Financial Corporation, Inc. have?
Carmel Financial Corporation, Inc. has 50 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Carmel Financial Corporation, Inc. respond to complaints on time?
Carmel Financial Corporation, Inc. has a 100% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Carmel Financial Corporation, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Carmel Financial Corporation, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Carmel Financial Corporation, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Carmel Financial Corporation, Inc. - see all issues and counts above.
How do I file a complaint against Carmel Financial Corporation, Inc.?
You can file a complaint against Carmel Financial Corporation, Inc. 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 Carmel Financial Corporation, Inc.?
The CFPB has recorded complaints against Carmel Financial Corporation, Inc. from 21 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Credit reporting, credit repair services, or other personal consumer reports
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.