Gatestone & Co. International Inc.

CFPB Consumer Complaint Profile

250
Total Complaints
20
Last 12 Months
93.2%
Timely Response
38
States Affected
Gatestone & Co. International Inc. timely response rate 93.2%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Credit card debt 67
Debt collection — I do not know 55
Debt collection — Other (i.e. phone, health club, etc.) 41
Debt collection — Credit card 33
Debt collection — Other debt 29
Credit reporting or other personal consumer reports — Credit reporting 7
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 3
Student loan — Private student loan 2
Debt collection — Private student loan debt 2
Debt or credit management — Debt settlement 1

Top Issues

1.Communication tactics 66
2.Attempts to collect debt not owed 40
3.Cont'd attempts collect debt not owed 38
4.False statements or representation 22
5.Written notification about debt 16
6.Took or threatened to take negative or legal action 14
7.Disclosure verification of debt 14
8.Improper contact or sharing of info 10
9.Threatened to contact someone or share information improperly 9
10.Incorrect information on your report 8

Complaints by Year

Year Complaints
2013 11
2014 31
2015 36
2016 21
2017 29
2018 25
2019 13
2020 13
2021 9
2022 13
2023 10
2024 11
2025 27
2026 1

Complaints by State (Top 15)

California 37
Florida 24
New York 18
Texas 15
Illinois 13
Arizona 12
Georgia 9
Michigan 7
Pennsylvania 7
Nevada 7
Mississippi 7
Virginia 6
Connecticut 6
Indiana 6
Maryland 5

Company Responses

Closed with non-monetary relief 162
Closed with explanation 78
Closed 8
Closed with monetary relief 2

What the CFPB Complaint Record Shows for Gatestone & Co. International Inc.

The CFPB Consumer Complaint Database has logged 250 complaints against Gatestone & Co. International Inc. overall, with 20 of those filed in the trailing 12 months. Reports have come from consumers in 38 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Communication tactics" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Gatestone & Co. International Inc.'s timely response rate stands at 93.2%, 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. Consumers formally disputed the company's response in 11.1% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 65.6% closed with some form of monetary or non-monetary relief to the consumer.

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 Gatestone & Co. International Inc. have?

Gatestone & Co. International Inc. has 250 total consumer complaints filed with the CFPB, with 20 filed in the last 12 months.

Does Gatestone & Co. International Inc. respond to complaints on time?

Gatestone & Co. International Inc. has a 93.2% timely response rate to CFPB complaints.

What product generates the most complaints for Gatestone & Co. International Inc.?

The most complained-about product for Gatestone & Co. International Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Gatestone & Co. International Inc.?

The most common issue reported by consumers about Gatestone & Co. International Inc. is "Communication tactics." All complaint issues are listed above with their counts.

How do I file a complaint against Gatestone & Co. International Inc.?

You can file a complaint against Gatestone & Co. International 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 Gatestone & Co. International Inc.?

Consumers in 38 states and territories have filed complaints about Gatestone & Co. International Inc. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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