CFPB Consumer Complaint Profile
Groundfloor Finance Inc.
What 21 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 1
- Last 12 months
- 47.6%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Groundfloor Finance Inc. has accumulated 21 complaints, placing it #2800 by volume. It posts a 47.6% on-time response rate, the 3rd percentile among companies with 100+ complaints.
- #2800
- of 3,843 companies by volume
- 47.6%
- on time (3rd pctile)
- Checking or savings …
- most-complained product
- 8
- 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.
Groundfloor Finance Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
47.6% Among the lowest higher than 3% 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 |
|---|---|
| 2018 | 2 |
| 2021 | 1 |
| 2022 | 2 |
| 2023 | 4 |
| 2024 | 9 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Groundfloor Finance Inc.
The CFPB Consumer Complaint Database has logged 21 complaints against Groundfloor Finance Inc. overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 8 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Checking or savings account," 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 "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Groundfloor Finance Inc. draw a 47.6% 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, the consumer-relief closure rate is 0%.
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 Groundfloor Finance Inc. have?
21 complaints have been filed against Groundfloor Finance Inc. with the CFPB overall - 1 of them in the past year.
Does Groundfloor Finance Inc. respond to complaints on time?
Groundfloor Finance Inc. has a 47.6% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Groundfloor Finance Inc.?
The most complained-about product for Groundfloor Finance Inc. is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Groundfloor Finance Inc.?
The most common issue reported by consumers about Groundfloor Finance Inc. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Groundfloor Finance Inc.?
You can file a complaint against Groundfloor Finance 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 Groundfloor Finance Inc.?
Groundfloor Finance Inc. has drawn CFPB complaints from 8 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 Checking or savings account
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.