CFPB Consumer Complaint Profile
Cognition Financial Corporation
Consumers have filed 40 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
- 40
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 17
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Cognition Financial Corporation sits at #2046, with 40 complaints logged. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2046
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Student loan
- most-complained product
- 17
- 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.
Cognition Financial Corporation 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 |
|---|---|
| 2012 | 26 |
| 2013 | 4 |
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 2 |
| 2017 | 3 |
| 2018 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cognition Financial Corporation
40 complaints against Cognition Financial Corporation appear in the CFPB record, including 0 from the trailing year. The 17 states and territories represented put this footprint in multi-regional territory. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Problems when you are unable to pay" - 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, Cognition Financial Corporation 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. Consumers formally disputed the company's response at a 13.2% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 15%.
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 Cognition Financial Corporation have?
40 complaints have been filed against Cognition Financial Corporation with the CFPB overall - 0 of them in the past year.
Does Cognition Financial Corporation respond to complaints on time?
Cognition Financial Corporation's CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Cognition Financial Corporation?
Among all products tied to Cognition Financial Corporation, "Student loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Cognition Financial Corporation?
The most common issue reported by consumers about Cognition Financial Corporation is "Problems when you are unable to pay." All complaint issues are listed above with their counts.
How do I file a complaint against Cognition Financial Corporation?
You can file a complaint against Cognition Financial Corporation 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 Cognition Financial Corporation?
Cognition Financial Corporation has drawn CFPB complaints from 17 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 Cognition Financial Corporation: 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 (13.2% here).
Also handles Student 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.