CFPB Consumer Complaint Profile

Ceannate

What 209 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-08-14

209
Total complaints
Above average
24
Last 12 months
98.6%
Timely response
Above median
33
States affected

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The verdict

Ceannate ranks #901 of 3,843 financial companies by CFPB complaint volume, with 209 complaints on record. On-time replies land at 98.6%, the 55th percentile for the 100+ complaint peer group.

#901
of 3,843 companies by volume
98.6%
on time (55th pctile)
Debt collection
most-complained product
33
states with complaints
D
PlainCredit Trust Score
47/100
Ceannate · 3 of 3 dimensions reported

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.

Timely Response B- 98.6%
Share of complaints answered within the CFPB response window
Dispute Rate C- 15.3%
Share of responses the consumer disputed (lower is better)
Relief Rate F 0.0%
Share of complaints closed with monetary or non-monetary relief

Ceannate vs. all companies by on-time response rate

Every company with 100+ CFPB complaints on file (1,335 total)

98.6% Higher than most higher than 55% 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 1 in 2024 to 14 in 2025 (2024 → 2025).

See the full year-over-year release diff

Ceannate timely response rate 98.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Federal student loan 45
Debt collection - I do not know 41
Student loan - Federal student loan servicing 35
Debt collection - Federal student loan debt 19
Credit reporting or other personal consumer reports - Credit reporting 11
Debt collection - Non-federal student loan 11
Debt collection - Private student loan debt 10
Debt collection - Other (i.e. phone, health club, etc.) 9
Student loan - Non-federal student loan 8
Student loan - Private student loan 6

Top Issues

1.Communication tactics 34
2.False statements or representation 24
3.Dealing with my lender or servicer 19
4.Cont'd attempts collect debt not owed 18
5.Improper contact or sharing of info 17
6.Attempts to collect debt not owed 16
7.Dealing with your lender or servicer 15
8.Incorrect information on your report 11
9.Written notification about debt 11
10.Disclosure verification of debt 8

Complaints by Year

Year Complaints
2013 4
2014 35
2015 28
2016 30
2017 34
2018 29
2019 7
2020 10
2021 4
2022 3
2024 1
2025 14
2026year in progress 10

Complaints by State (Top 15)

Florida 57
California 25
Georgia 11
Texas 10
Illinois 9
Indiana 7
Arizona 7
New Jersey 7
Ohio 7
North Carolina 6
Washington 6
Maryland 6
Alabama 5
Michigan 5
Pennsylvania 4

Company Responses

Closed with explanation 209

What the CFPB Complaint Record Shows for Ceannate

209 complaints against Ceannate appear in the CFPB record, including 24 from the trailing year. The 33 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Ceannate's timely response rate stands at 98.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 15.3% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 Ceannate have?

Ceannate has 209 total consumer complaints filed with the CFPB, with 24 filed in the last 12 months.

Does Ceannate respond to complaints on time?

CFPB complaints against Ceannate draw a 98.6% 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 Ceannate?

Among all products tied to Ceannate, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Ceannate?

Consumers most often cite "Communication tactics" when complaining about Ceannate; the full issue list with counts is above.

How do I file a complaint against Ceannate?

You can file a complaint against Ceannate 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 Ceannate?

The CFPB has recorded complaints against Ceannate from 33 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.

Nationwide companies with similar complaint volume or dispute rates

Two CFPB peer sets for Ceannate: 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.

Also handles Debt collection

Other companies with the same primary CFPB product category on file.

Source: CFPB Consumer Complaint Database Data through March 2026