This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade A 1 complaints

Flat Branch Mortgage, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Complaints by issue type

What consumers report about Flat Branch Mortgage, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

A

Grade A · 83.1/100 composite

This collector has an excellent complaint record, very few complaints relative to its size, with high response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of A: Flat Branch Mortgage, Inc. ranks ahead of 90% of the 5,283 collectors PlainCollector grades - 10% keep a cleaner CFPB record, on 1 all-time complaints and a 100% timely-response rate.

90th pct
reputation rank of 5,283 graded collectors
1
CFPB complaints, all-time
100%
answered inside the CFPB window
1
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Flat Branch Mortgage, Inc.?

Flat Branch Mortgage, Inc. has accumulated 1 total CFPB complaints across 1 states, with 1 filed in the most recent 12 months against 0 historical complaints before that window. The trailing-12-month volume represents 100.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 100% timely-response rate.

Complaints have been recorded across 1 states, led by Kansas with 1. Normalized against the full CFPB collector database, the reputation score of 83.1/100 places Flat Branch Mortgage, Inc. in grade band A.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1

low-volume (CCDB)

Last 12 months

1

100.0% of all-time complaints

Rising ↑

States active

1

limited footprint

Timely response rate

100%

excellent band

Reputation grade

A

83.1/100 composite

How does Flat Branch Mortgage, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

83 Top 10% higher than 90% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). Below this entry. 70–80: 871 graded collectors (16%). Below this entry. 80–90: 660 graded collectors (12%). This entry sits in this band. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Flat Branch Mortgage, Inc. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 1.8%

Share of US states + territories with at least one filed complaint against this collector.

How does Flat Branch Mortgage, Inc. compare to its peers?

How does Flat Branch Mortgage, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Flat Branch Mortgage, … National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
100%
0%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2024-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 1

Where do complaints against Flat Branch Mortgage, Inc. come from?

Flat Branch Mortgage, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Flat Branch Mortgage, Inc.

Across 1 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Flat Branch Mortgage, Inc. contacts you

A grade of A signals how Flat Branch Mortgage, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Flat Branch Mortgage, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Flat Branch Mortgage, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Flat Branch Mortgage, Inc.? ▼

The most common issue consumers report about Flat Branch Mortgage, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 1 complaints filed with the CFPB.

Are complaints against Flat Branch Mortgage, Inc. increasing or decreasing? ▼

Complaints against Flat Branch Mortgage, Inc. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Flat Branch Mortgage, Inc.'s reputation grade? ▼

Flat Branch Mortgage, Inc. has a reputation grade of A (score: 83.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Flat Branch Mortgage, Inc. respond to consumer complaints? ▼

Flat Branch Mortgage, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Flat Branch Mortgage, Inc. operate? ▼

Flat Branch Mortgage, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Kansas (1 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.