Total CFPB complaints
9
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 9 complaints
GUARANTEED RATE INC. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GUARANTEED RATE INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Confusing or missing disclosures 1
Confusing or missing disclosures
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
B
Grade B · 66.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about GUARANTEED RATE INC.?
GUARANTEED RATE INC. has accumulated 9 total CFPB complaints across 7 states, with 4 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 44.4% 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 "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Texas with 3 and Nevada with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.7/100 places GUARANTEED RATE INC. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
44.4% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
66.7/100 composite
Response-quality profile
How GUARANTEED RATE INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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?
GUARANTEED RATE INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2019-01 2025-12
Top Consumer Issues
Attempts to collect debt not owed3 (%)
Took or threatened to take negative or legal action3 (%)
False statements or representation1 (%)
Confusing or missing disclosures1 (%)
Written notification about debt1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Confusing or missing disclosures | — | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
Where do complaints against GUARANTEED RATE INC. come from?
The states where consumers have filed the most CFPB complaints against GUARANTEED RATE INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GUARANTEED RATE INC.
Across 7 states with at least one filing
- Texas
Texas
3 complaints
- Nevada 1
Nevada
1 complaints
- Illinois 1
Illinois
1 complaints
- New Jersey 1
New Jersey
1 complaints
- California 1
California
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
Frequently Asked Questions
What is the most common complaint against GUARANTEED RATE INC.? ▼
The most common issue consumers report about GUARANTEED RATE INC. is "Attempts to collect debt not owed", 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 4 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). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 Texas (3 complaints).
What can I do if GUARANTEED RATE INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If GUARANTEED RATE INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |