CFPB Consumer Complaint Profile
Circleback Lending, Inc.(Closed)
Behind the 13 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 8
- States affected
The verdict
Circleback Lending, Inc.(Closed) ranks #3408 of 3,843 financial companies by CFPB complaint volume, with 13 complaints on record. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Consumer Loan
- most-complained product
- 8
- 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.
Circleback Lending, Inc.(Closed) 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 |
|---|---|
| 2014 | 1 |
| 2015 | 3 |
| 2016 | 6 |
| 2017 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Circleback Lending, Inc.(Closed)
Circleback Lending, Inc.(Closed) carries 13 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 8 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Consumer Loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing the loan or lease," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Circleback Lending, Inc.(Closed) posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 7.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% 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 Circleback Lending, Inc.(Closed) have?
The CFPB has logged 13 complaints against Circleback Lending, Inc.(Closed) to date, of which 0 came in over the last 12 months.
Does Circleback Lending, Inc.(Closed) respond to complaints on time?
Circleback Lending, Inc.(Closed)'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Circleback Lending, Inc.(Closed)?
The most complained-about product for Circleback Lending, Inc.(Closed) is "Consumer Loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Circleback Lending, Inc.(Closed)?
The most common issue reported by consumers about Circleback Lending, Inc.(Closed) is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Circleback Lending, Inc.(Closed)?
You can file a complaint against Circleback Lending, Inc.(Closed) 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 Circleback Lending, Inc.(Closed)?
Circleback Lending, Inc.(Closed) has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Circleback Lending, Inc.(Closed): 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 (7.7% here).
Also handles Consumer Loan
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.