CFPB Consumer Complaint Profile
RateGenius Loan Services Inc
What the 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
- 43
- Total complaints
- Mid-range
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 21
- States affected
The verdict
RateGenius Loan Services Inc ranks #1975 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 86th percentile in the 100+ complaint peer group.
- Credit reporting, cr…
- most-complained product
- CA
- 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.
RateGenius Loan Services Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 |
|---|---|
| 2018 | 6 |
| 2019 | 11 |
| 2020 | 9 |
| 2021 | 17 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for RateGenius Loan Services Inc
RateGenius Loan Services Inc draws a multi-regional spread of CFPB complaints, filed by consumers in many parts of the country. No product draws more complaints than "Credit reporting, credit repair services, or other personal consumer reports," which sits at the top of the product breakdown. 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.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. 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 Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does RateGenius Loan Services Inc have?
The CFPB has logged 43 complaints against RateGenius Loan Services Inc to date, of which 0 came in over the last 12 months.
Does RateGenius Loan Services Inc respond to complaints on time?
RateGenius Loan Services Inc's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for RateGenius Loan Services Inc?
Among all products tied to RateGenius Loan Services Inc, "Credit reporting, credit repair services, or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with RateGenius Loan Services Inc?
"Improper use of your report" is the single most frequently cited issue in complaints against RateGenius Loan Services Inc - see all issues and counts above.
How do I file a complaint against RateGenius Loan Services Inc?
You can file a complaint against RateGenius Loan Services 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 RateGenius Loan Services Inc?
RateGenius Loan Services Inc has drawn CFPB complaints from 21 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.