CFPB Consumer Complaint Profile
Vanguard Funding LLC
Consumers have filed 42 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 42
- Total complaints
- Mid-range
- 0
- Last 12 months
- 4.8%
- Timely response
- Bottom decile
- 16
- States affected
The verdict
42 CFPB complaints put Vanguard Funding LLC at #1996 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 4.8%, the 0th percentile among companies with 100+ complaints.
- #1996
- of 3,843 companies by volume
- 4.8%
- on time (0th pctile)
- Checking or savings …
- most-complained product
- 16
- 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.
Vanguard Funding LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
4.8% Among the lowest in the bottom 1% 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 |
|---|---|
| 2014 | 1 |
| 2015 | 1 |
| 2016 | 1 |
| 2017 | 19 |
| 2018 | 15 |
| 2019 | 1 |
| 2020 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Vanguard Funding LLC
42 complaints against Vanguard Funding LLC appear in the CFPB record, including 0 from the trailing year. The 16 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Vanguard Funding LLC draw a 4.8% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 4.8% 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 Vanguard Funding LLC have?
42 complaints have been filed against Vanguard Funding LLC with the CFPB overall - 0 of them in the past year.
Does Vanguard Funding LLC respond to complaints on time?
CFPB complaints against Vanguard Funding LLC draw a 4.8% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Vanguard Funding LLC?
Among all products tied to Vanguard Funding LLC, "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Vanguard Funding LLC?
"Managing an account" is the single most frequently cited issue in complaints against Vanguard Funding LLC - see all issues and counts above.
How do I file a complaint against Vanguard Funding LLC?
You can file a complaint against Vanguard Funding LLC 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 Vanguard Funding LLC?
The CFPB has recorded complaints against Vanguard Funding LLC from 16 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 Vanguard Funding LLC: 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 Checking or savings account
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Vanguard Funding LLC have?
42 complaints have been filed against Vanguard Funding LLC with the CFPB overall - 0 of them in the past year.
Does Vanguard Funding LLC respond to complaints on time?
CFPB complaints against Vanguard Funding LLC draw a 4.8% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Vanguard Funding LLC?
Among all products tied to Vanguard Funding LLC, "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Vanguard Funding LLC?
"Managing an account" is the single most frequently cited issue in complaints against Vanguard Funding LLC - see all issues and counts above.
How do I file a complaint against Vanguard Funding LLC?
You can file a complaint against Vanguard Funding LLC 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 Vanguard Funding LLC?
The CFPB has recorded complaints against Vanguard Funding LLC from 16 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.