CFPB Consumer Complaint Profile
EarnUp Inc.
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 17
- Total complaints
- Below average
- 0
- Last 12 months
- 82.4%
- Timely response
- Bottom quartile
- 13
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, EarnUp Inc. sits at #3073. On response speed it sits at the 11th percentile among companies with 100+ complaints.
- Mortgage
- most-complained product
- VA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
EarnUp Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
82.4% Among the lowest higher than 11% 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
Reading this profile
Source: CFPB Consumer Complaint Database
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 shows a geographically concentrated complaint footprint for EarnUp Inc., with consumers across the country filing against it. 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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate sits below the 95% industry benchmark, a gap that tends to correlate with higher consumer dispute rates downstream. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
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.