Mortgages
Guaranteed Rate: 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
- 32
- Closed with money back
- 0
- 2023 to 2025
- 14 to 10
Guaranteed Rate received 183 complaints from everyone in the window; 32 carried the servicemember tag. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0 of the 32 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 14 in 2023 to 10 in 2025.
What the complaints are about
By product
| Mortgage | 29 |
| Credit reporting or other personal consumer reports | 2 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
By issue
| Trouble during payment process | 12 |
| Applying for a mortgage or refinancing an existing mortgage | 8 |
| Closing on a mortgage | 6 |
| Struggling to pay mortgage | 2 |
| Getting the loan | 1 |
| 2023: 14 | 2024: 8 | 2025: 10 |
Which accounts, specifically
| VA mortgage | 24 |
| Conventional home mortgage | 7 |
| Credit reporting | 1 |
| Other personal consumer report | 1 |
| Installment loan | 1 |
What went wrong, specifically
| Escrow, taxes, or insurance | 4 |
| Closing disclosure or other related disclosures | 2 |
| Delays with the closing process | 2 |
| Loan estimate or other related disclosures | 2 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 2 |
Busiest month: April 2023, with 3 servicemember complaints. Most were submitted by web.
Most complaints came from TX (6), FL (5), CA (4) , then CO, IL, NY.
How Guaranteed Rate answered
| Closed with explanation | 32 |
Guaranteed Rate 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. IL, 2024-05-25. Outcome: Closed with explanation. Complaint 9097079
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Mortgage; Applying for a mortgage or refinancing an existing mortgage. FL, 2024-05-16. Outcome: Closed with explanation. Complaint 9022672
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Mortgage; Trouble during payment process. SC, 2024-05-14. Outcome: Closed with explanation. Complaint 9002230
If this is your problem at Guaranteed Rate
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
- Rushmore Loan Management Services 32 servicemember complaints; 0 with money back
- Movement Mortgage 35 servicemember complaints; 0 with money back
- Servicemac 29 servicemember complaints; 2 with money back
- 21st Mortgage 37 servicemember complaints; 0 with money back
- American Financial Network 27 servicemember complaints; 0 with money back
Next in the directory by volume: Moneygram Payment Systems Worldwide, Receivables Management Partners.
Frequently asked questions
How many complaints did servicemembers file against Guaranteed Rate?
32 complaints tagged servicemember were received by the CFPB about GUARANTEED RATE INC. 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 14 in 2023 to 10 in 2025.
What do servicemembers complain about most at Guaranteed Rate?
Mortgage accounts for 29 of the 32 complaints, and the most common issue is "Trouble during payment process" (12). Next: "Applying for a mortgage or refinancing an existing mortgage" (8).
Does Guaranteed Rate give money back when a servicemember complains?
0 of the 32 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. 0 closed with non-monetary relief and 32 closed with an explanation only. Guaranteed Rate 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.