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

CFPB complaint data Grade B 9 complaints

Guaranteed Rate Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade B.

Complaints by issue type

What consumers report about Guaranteed Rate Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 66.7/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Guaranteed Rate Inc. ranks ahead of 62% of the 5,283 collectors PlainCollector grades - 38% keep a cleaner CFPB record, on 9 all-time complaints and a 100% timely-response rate.

62nd pct
reputation rank of 5,283 graded collectors
9
CFPB complaints, all-time
100%
answered inside the CFPB window
5
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 Guaranteed Rate Inc.?

Guaranteed Rate Inc. has accumulated 9 total CFPB complaints across 7 states, with 5 filed in the most recent 12 months against 4 historical complaints before that window. The trailing-12-month volume represents 55.6% 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 "Debt was paid". The company posts a 100% timely-response rate.

Complaints have been recorded across 7 states, led by California with 2 and Texas with 2. Normalized against the full CFPB collector database, the reputation score of 66.7/100 places Guaranteed Rate Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

9

low-volume (CCDB)

Last 12 months

5

55.6% of all-time complaints

Rising ↑

States active

7

regional footprint

Timely response rate

100%

excellent band

Reputation grade

B

66.7/100 composite

How does Guaranteed Rate Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

67 62nd percentile higher than 62% 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%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 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

Guaranteed Rate 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 12.5%

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

How does Guaranteed Rate Inc. compare to its peers?

How does GUARANTEED RATE INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
GUARANTEED RATE INC. National average
Complaints (last 12 mo)lower is better
5
0
268
Timely-response ratehigher is better
100%
89%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 4
Attempts to collect debt not owed - 3
Written notification about debt - 1
False statements or representation - 1

Where do complaints against Guaranteed Rate Inc. come from?

Guaranteed Rate Inc.'s own per-state count, not a national baseline.

Top states by complaints against Guaranteed Rate Inc.

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Guaranteed Rate Inc. contacts you

A grade of B signals how Guaranteed Rate 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 Guaranteed Rate 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 Guaranteed Rate 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 Guaranteed Rate Inc.? ▼

The most common issue consumers report about Guaranteed Rate Inc. is "Took or threatened to take negative or legal action", specifically "Debt was paid". This is based on 9 complaints filed with the CFPB.

Are complaints against Guaranteed Rate Inc. increasing or decreasing? ▼

Complaints against Guaranteed Rate Inc. are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Guaranteed Rate Inc.'s reputation grade? ▼

Guaranteed Rate Inc. has a reputation grade of B (score: 66.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Guaranteed Rate Inc. respond to consumer complaints? ▼

Guaranteed Rate Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Guaranteed Rate Inc. operate? ▼

Guaranteed Rate Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from California (2 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.