CFPB Consumer Complaint Profile
Granite Bay Acceptance Inc.
What 23 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
- 23
- Total complaints
- 4
- Last 12 months
- 69.6%
- Timely response
- 15
- States affected
The verdict
Granite Bay Acceptance Inc. ranks #2681 of 3,848 financial companies by CFPB complaint volume, with 23 complaints on record. It answers 69.6% of complaints on time — below the 93% median for companies with 100+ complaints.
- #2681
- of 3,848 companies by volume
- 69.6%
- answered on time
- Credit reporting or …
- most-complained product
- 15
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
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.
Granite Bay Acceptance Inc.'s timely response rate stands at 69.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag — late or missing responses are one of the strongest predictors of CFPB supervisory interest. Of complaints that were resolved, 0% 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 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.?
The most common issue reported by consumers about Granite Bay Acceptance Inc. is "Improper use of your report." All complaint issues are listed above with their counts.
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.?
Consumers in 15 states and territories have filed complaints about Granite Bay Acceptance Inc. with the CFPB.
Consumer Credit Guides
Related Data
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology — how this data is sourced, computed, and verified.