Total CFPB complaints
10
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 10 complaints
State Home Mortgage — Debt Collector Complaint Profile
CFPB complaint profile across 1 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about State Home Mortgage
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Problem with customer service 1
Problem with customer service
1 complaints
F
Grade F · 40.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about State Home Mortgage?
State Home Mortgage has accumulated 10 total CFPB complaints across 1 states, with 1 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 10.0% 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 "Seized or attempted to seize your property", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 40% timely-response rate against a 67% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 1 states, led by Georgia with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 40.9/100 places State Home Mortgage in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
10.0% of total history
Rising ↑
States active
1
Distinct state filings
Timely response rate
40%
Within CFPB SLA window
Consumer disputes
67%
After company response
Reputation grade
F
40.9/100 composite
Response-quality profile
How State Home Mortgage performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 40.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 1.8%
Share of US states + territories with at least one filed complaint against this collector.
How does State Home Mortgage compare to its peers?
State Home Mortgage 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)
2015-07 2025-11
Top Consumer Issues
Took or threatened to take negative or legal action3 (%)
False statements or representation2 (%)
Improper contact or sharing of info1 (%)
Taking/threatening an illegal action1 (%)
Attempts to collect debt not owed1 (%)
Problem with customer service1 (%)
Communication tactics1 (%)
Most common issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Problem with customer service | — | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against State Home Mortgage come from?
The states where consumers have filed the most CFPB complaints against State Home Mortgage. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against State Home Mortgage
Across 1 states with at least one filing
- Georgia
Georgia
10 complaints
Frequently Asked Questions
What is the most common complaint against State Home Mortgage? ▼
The most common issue consumers report about State Home Mortgage is "Took or threatened to take negative or legal action", specifically "Seized or attempted to seize your property". This is based on 10 complaints filed with the CFPB.
Are complaints against State Home Mortgage increasing or decreasing? ▼
Complaints against State Home Mortgage are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is State Home Mortgage's reputation grade? ▼
State Home Mortgage has a reputation grade of F (score: 40.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does State Home Mortgage respond to consumer complaints? ▼
State Home Mortgage has a 40% timely response rate to CFPB complaints. Consumers disputed the company's response in 67% of cases.
In how many states does State Home Mortgage operate? ▼
State Home Mortgage has received CFPB complaints from consumers in 1 states, with the most complaints from Georgia (10 complaints).
What can I do if State Home Mortgage 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 State Home Mortgage 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 |