CFPB Consumer Complaint Profile
Texas Guaranteed
314 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 314
- Total complaints
- Above average
- 52
- Last 12 months
- 95.5%
- Timely response
- Below median
- 34
- States affected
The verdict
314 CFPB complaints put Texas Guaranteed at #677 out of 3,843 financial companies ranked by complaint volume. It posts a 95.5% on-time response rate, the 31st percentile among companies with 100+ complaints.
- #677
- of 3,843 companies by volume
- 95.5%
- on time (31st pctile)
- Student loan
- most-complained product
- 34
- 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.
Texas Guaranteed vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.5% Around the middle higher than 31% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 23 in 2024 to 57 in 2025 (2024 → 2025).
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 |
|---|---|
| 2014 | 3 |
| 2015 | 2 |
| 2016 | 26 |
| 2017 | 47 |
| 2018 | 28 |
| 2019 | 35 |
| 2020 | 21 |
| 2021 | 32 |
| 2022 | 22 |
| 2023 | 9 |
| 2024 | 23 |
| 2025 | 57 |
| 2026year in progress | 9 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Texas Guaranteed
The CFPB Consumer Complaint Database has logged 314 complaints against Texas Guaranteed overall, with 52 of those filed in the trailing 12 months. Reports have come from consumers in 34 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Student loan," which sits at the top of the product breakdown. The specific issue named most within that category is "Dealing with your lender or servicer," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Texas Guaranteed posts a 95.5% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response at a 7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0.6% rate.
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 Texas Guaranteed have?
314 complaints have been filed against Texas Guaranteed with the CFPB overall - 52 of them in the past year.
Does Texas Guaranteed respond to complaints on time?
Texas Guaranteed's CFPB timely-response rate is 95.5%. This is considered excellent.
What product generates the most complaints for Texas Guaranteed?
The most complained-about product for Texas Guaranteed is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Texas Guaranteed?
The most common issue reported by consumers about Texas Guaranteed is "Dealing with your lender or servicer." All complaint issues are listed above with their counts.
How do I file a complaint against Texas Guaranteed?
You can file a complaint against Texas Guaranteed 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 Texas Guaranteed?
Texas Guaranteed has drawn CFPB complaints from 34 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Texas Guaranteed: 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 (7% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Texas Guaranteed have?
314 complaints have been filed against Texas Guaranteed with the CFPB overall - 52 of them in the past year.
Does Texas Guaranteed respond to complaints on time?
Texas Guaranteed's CFPB timely-response rate is 95.5%. This is considered excellent.
What product generates the most complaints for Texas Guaranteed?
The most complained-about product for Texas Guaranteed is "Student loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Texas Guaranteed?
The most common issue reported by consumers about Texas Guaranteed is "Dealing with your lender or servicer." All complaint issues are listed above with their counts.
How do I file a complaint against Texas Guaranteed?
You can file a complaint against Texas Guaranteed 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 Texas Guaranteed?
Texas Guaranteed has drawn CFPB complaints from 34 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.