CFPB Consumer Complaint Profile
W.J. Bradley Mortgage Capital
What 26 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
- 26
- Total complaints
- Mid-range
- 0
- Last 12 months
- 61.5%
- Timely response
- Bottom decile
- 7
- States affected
The verdict
26 CFPB complaints put W.J. Bradley Mortgage Capital at #2538 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 61.5%, the 4th percentile for the 100+ complaint peer group.
- #2538
- of 3,843 companies by volume
- 61.5%
- on time (4th pctile)
- Mortgage
- most-complained product
- 7
- 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.
W.J. Bradley Mortgage Capital vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
61.5% Among the lowest higher than 4% 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 |
|---|---|
| 2012 | 2 |
| 2013 | 8 |
| 2014 | 6 |
| 2015 | 3 |
| 2016 | 4 |
| 2017 | 1 |
| 2019 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for W.J. Bradley Mortgage Capital
W.J. Bradley Mortgage Capital carries 26 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 7 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Mortgage," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Loan servicing, payments, escrow account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
W.J. Bradley Mortgage Capital's timely response rate stands at 61.5%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. 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. Resolved cases drew a formal consumer-dispute rate of 21.7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 11.5%.
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 W.J. Bradley Mortgage Capital have?
W.J. Bradley Mortgage Capital has 26 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does W.J. Bradley Mortgage Capital respond to complaints on time?
W.J. Bradley Mortgage Capital has a 61.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for W.J. Bradley Mortgage Capital?
The most complained-about product for W.J. Bradley Mortgage Capital is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with W.J. Bradley Mortgage Capital?
"Loan servicing, payments, escrow account" is the single most frequently cited issue in complaints against W.J. Bradley Mortgage Capital - see all issues and counts above.
How do I file a complaint against W.J. Bradley Mortgage Capital?
You can file a complaint against W.J. Bradley Mortgage Capital 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 W.J. Bradley Mortgage Capital?
Consumers in 7 states and territories have filed complaints about W.J. Bradley Mortgage Capital with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for W.J. Bradley Mortgage Capital: 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 (21.7% here).
Also handles Mortgage
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does W.J. Bradley Mortgage Capital have?
W.J. Bradley Mortgage Capital has 26 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does W.J. Bradley Mortgage Capital respond to complaints on time?
W.J. Bradley Mortgage Capital has a 61.5% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for W.J. Bradley Mortgage Capital?
The most complained-about product for W.J. Bradley Mortgage Capital is "Mortgage." You can view the full product breakdown on this page.
What is the most common complaint issue with W.J. Bradley Mortgage Capital?
"Loan servicing, payments, escrow account" is the single most frequently cited issue in complaints against W.J. Bradley Mortgage Capital - see all issues and counts above.
How do I file a complaint against W.J. Bradley Mortgage Capital?
You can file a complaint against W.J. Bradley Mortgage Capital 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 W.J. Bradley Mortgage Capital?
Consumers in 7 states and territories have filed complaints about W.J. Bradley Mortgage Capital with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.