CFPB Consumer Complaint Profile
Granite Bay Acceptance Inc.
Consumers have filed 23 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
- 23
- Total complaints
- Mid-range
- 4
- Last 12 months
- 69.6%
- Timely response
- Bottom decile
- 15
- States affected
The verdict
Granite Bay Acceptance Inc. ranks #2678 of 3,843 financial companies by CFPB complaint volume, with 23 complaints on record. Its on-time response rate is 69.6%, the 6th percentile among companies with 100+ complaints.
- #2678
- of 3,843 companies by volume
- 69.6%
- on time (6th pctile)
- Credit reporting or …
- most-complained product
- 15
- 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.
Granite Bay Acceptance Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
69.6% Among the lowest higher than 6% 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 |
|---|---|
| 2017 | 1 |
| 2018 | 1 |
| 2020 | 4 |
| 2021 | 4 |
| 2023 | 2 |
| 2024 | 6 |
| 2025 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Granite Bay Acceptance Inc.
The CFPB Consumer Complaint Database has logged 23 complaints against Granite Bay Acceptance Inc. overall, with 4 of those filed in the trailing 12 months. Reports have come from consumers in 15 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," 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 "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Granite Bay Acceptance Inc. draw a 69.6% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Among resolved complaints, 0% 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, 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 Granite Bay Acceptance Inc. have?
Granite Bay Acceptance Inc. has 23 total consumer complaints filed with the CFPB, with 4 filed in the last 12 months.
Does Granite Bay Acceptance Inc. respond to complaints on time?
Granite Bay Acceptance Inc. has a 69.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Granite Bay Acceptance Inc.?
The most complained-about product for Granite Bay Acceptance Inc. is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Granite Bay Acceptance Inc.?
Consumers most often cite "Improper use of your report" when complaining about Granite Bay Acceptance Inc.; the full issue list with counts is above.
How do I file a complaint against Granite Bay Acceptance Inc.?
You can file a complaint against Granite Bay Acceptance 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 Granite Bay Acceptance Inc.?
Granite Bay Acceptance Inc. has drawn CFPB complaints from 15 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.
Also handles Credit reporting or other personal consumer reports
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.