Mortgages
Cardinal Financial Company, Limited Partnership: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 47
- Closed with money back
- 2
- 2023 to 2025
- 22 to 6
Cardinal Financial Company, Limited Partnership received 246 complaints from everyone in the window; 47 carried the servicemember tag. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 2 of the 47 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 22 in 2023 to 6 in 2025.
What the complaints are about
By product
| Mortgage | 43 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Credit reporting or other personal consumer reports | 1 |
| Debt collection | 1 |
By issue
| Trouble during payment process | 15 |
| Closing on a mortgage | 13 |
| Struggling to pay mortgage | 8 |
| Applying for a mortgage or refinancing an existing mortgage | 7 |
| Attempts to collect debt not owed | 1 |
| 2023: 22 | 2024: 19 | 2025: 6 |
Which accounts, specifically
| VA mortgage | 34 |
| FHA mortgage | 8 |
| Conventional home mortgage | 4 |
| Credit reporting | 3 |
| Mortgage debt | 1 |
What went wrong, specifically
| Closing disclosure or other related disclosures | 4 |
| Escrow, taxes, or insurance | 4 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 3 |
| Fees or costs after closing | 3 |
| Changes in loan terms during or after closing | 3 |
Busiest month: January 2023, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from FL (11), TX (7), SC (4) , then VA, CA, GA.
How Cardinal Financial Company, Limited Partnership answered
| Closed with explanation | 40 |
| Closed with non-monetary relief | 5 |
| Closed with monetary relief | 2 |
Cardinal Financial Company, Limited Partnership responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Closing on a mortgage. AZ, 2024-08-06. Outcome: Closed with explanation. Complaint 9718163
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Mortgage; Closing on a mortgage. TX, 2024-07-30. Outcome: Closed with explanation. Complaint 9657338
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Mortgage; Trouble during payment process. CA, 2024-07-08. Outcome: Closed with explanation. Complaint 9453075
If this is your problem at Cardinal Financial Company, Limited Partnership
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- RoundPoint Mortgage Servicing 50 servicemember complaints; 0 with money back
- Broker Solutions 43 servicemember complaints; 0 with money back
- Amerisave Mortgage 54 servicemember complaints; 7 with money back
- Guild 40 servicemember complaints; 0 with money back
- 21st Mortgage 37 servicemember complaints; 0 with money back
Next in the directory by volume: Penn Credit, Waypoint Resource, Central Research.
Frequently asked questions
How many complaints did servicemembers file against Cardinal Financial Company, Limited Partnership?
47 complaints tagged servicemember were received by the CFPB about CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 22 in 2023 to 6 in 2025.
What do servicemembers complain about most at Cardinal Financial Company, Limited Partnership?
Mortgage accounts for 43 of the 47 complaints, and the most common issue is "Trouble during payment process" (15). Next: "Closing on a mortgage" (13).
Does Cardinal Financial Company, Limited Partnership give money back when a servicemember complains?
2 of the 47 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 5 closed with non-monetary relief and 40 closed with an explanation only. Cardinal Financial Company, Limited Partnership answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.