CFPB Consumer Complaint Profile
EarnUp Inc.
17 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 17
- Total complaints
- 0
- Last 12 months
- 82.4%
- Timely response
- 13
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, EarnUp Inc. sits at #3077, with 17 complaints logged. It answers 82.4% of complaints on time - below the 93% median for companies with 100+ complaints.
- #3077
- of 3,848 companies by volume
- 82.4%
- answered on time
- Mortgage
- most-complained product
- 13
- states with complaints
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 |
|---|---|
| 2019 | 5 |
| 2020 | 5 |
| 2021 | 3 |
| 2022 | 1 |
| 2023 | 2 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for EarnUp Inc.
The CFPB Consumer Complaint Database has logged 17 complaints against EarnUp Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 13 states and territories, making this a geographically concentrated 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.
EarnUp Inc.'s timely response rate stands at 82.4%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Of complaints that were resolved, 17.6% 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 EarnUp Inc. have?
17 complaints have been filed against EarnUp Inc. with the CFPB overall - 0 of them in the past year.
Does EarnUp Inc. respond to complaints on time?
EarnUp Inc. has a 82.4% timely response rate to CFPB complaints.
What product generates the most complaints for EarnUp Inc.?
Among all products tied to EarnUp Inc., "Mortgage" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with EarnUp Inc.?
"Trouble during payment process" is the single most frequently cited issue in complaints against EarnUp Inc. - see all issues and counts above.
How do I file a complaint against EarnUp Inc.?
You can file a complaint against EarnUp 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 EarnUp Inc.?
Consumers in 13 states and territories have filed complaints about EarnUp Inc. 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~17)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.