CFPB Consumer Complaint Profile
Royal Pacific Funding Corporation
What 65 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
- 65
- Total complaints
- Mid-range
- 8
- Last 12 months
- 90.8%
- Timely response
- Bottom quartile
- 14
- States affected
The verdict
Royal Pacific Funding Corporation ranks #1604 of 3,843 financial companies by CFPB complaint volume, with 65 complaints on record. Its on-time response rate is 90.8%, the 19th percentile among companies with 100+ complaints.
- #1604
- of 3,843 companies by volume
- 90.8%
- on time (19th pctile)
- Mortgage
- most-complained product
- 14
- states with 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.
Royal Pacific Funding Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.8% Among the lowest higher than 19% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 13 |
| 2022 | 11 |
| 2023 | 15 |
| 2024 | 10 |
| 2025 | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Royal Pacific Funding Corporation
65 complaints against Royal Pacific Funding Corporation appear in the CFPB record, including 8 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. "Mortgage" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Struggling to pay mortgage" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Royal Pacific Funding Corporation draw a 90.8% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Consumers formally disputed the company's response at a 0% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 1.5%.
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 Royal Pacific Funding Corporation have?
The CFPB has logged 65 complaints against Royal Pacific Funding Corporation to date, of which 8 came in over the last 12 months.
Does Royal Pacific Funding Corporation respond to complaints on time?
Royal Pacific Funding Corporation has a 90.8% timely response rate to CFPB complaints.
What product generates the most complaints for Royal Pacific Funding Corporation?
The most complained-about product for Royal Pacific Funding Corporation is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Royal Pacific Funding Corporation?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Royal Pacific Funding Corporation - see all issues and counts above.
How do I file a complaint against Royal Pacific Funding Corporation?
You can file a complaint against Royal Pacific Funding Corporation 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 Royal Pacific Funding Corporation?
The CFPB has recorded complaints against Royal Pacific Funding Corporation from 14 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Royal Pacific Funding Corporation: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Royal Pacific Funding Corporation have?
The CFPB has logged 65 complaints against Royal Pacific Funding Corporation to date, of which 8 came in over the last 12 months.
Does Royal Pacific Funding Corporation respond to complaints on time?
Royal Pacific Funding Corporation has a 90.8% timely response rate to CFPB complaints.
What product generates the most complaints for Royal Pacific Funding Corporation?
The most complained-about product for Royal Pacific Funding Corporation is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with Royal Pacific Funding Corporation?
"Struggling to pay mortgage" is the single most frequently cited issue in complaints against Royal Pacific Funding Corporation - see all issues and counts above.
How do I file a complaint against Royal Pacific Funding Corporation?
You can file a complaint against Royal Pacific Funding Corporation 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 Royal Pacific Funding Corporation?
The CFPB has recorded complaints against Royal Pacific Funding Corporation from 14 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.