Mortgages
Guild: 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
- 40
- Closed with money back
- 0
- 2023 to 2025
- 7 to 26
Guild received 221 complaints from everyone in the window; 40 carried the servicemember tag. The complaints are mostly about mortgage, and the single most common issue is "Struggling to pay mortgage". 0 of the 40 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 rose from 7 in 2023 to 26 in 2025.
What the complaints are about
By product
| Mortgage | 32 |
| Credit reporting or other personal consumer reports | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
| Debt collection | 1 |
By issue
| Struggling to pay mortgage | 12 |
| Trouble during payment process | 11 |
| Closing on a mortgage | 5 |
| Incorrect information on your report | 4 |
| Applying for a mortgage or refinancing an existing mortgage | 3 |
| 2023: 7 | 2024: 7 | 2025: 26 |
Which accounts, specifically
| VA mortgage | 25 |
| Credit reporting | 7 |
| Conventional home mortgage | 6 |
| FHA mortgage | 3 |
| Mortgage debt | 1 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 6 |
| Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | 5 |
| Payment process | 4 |
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 4 |
| Account status incorrect | 3 |
Busiest month: August 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from OR (7), TX (6), GA (3) , then SC, AZ, NC.
How Guild answered
| Closed with explanation | 39 |
| Closed with non-monetary relief | 1 |
Guild responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes complaint represents an opportunity for improvement to better serve consumers" (1). 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. NM, 2024-07-05. Outcome: Closed with explanation. Complaint 9435922
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Mortgage; Trouble during payment process. TX, 2024-07-03. Outcome: Closed with explanation. Complaint 9417842
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Credit reporting or other personal consumer reports; Improper use of your report. IL, 2024-06-12. Outcome: Closed with explanation. Complaint 9243454
If this is your problem at Guild
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
- Broker Solutions 43 servicemember complaints; 0 with money back
- 21st Mortgage 37 servicemember complaints; 0 with money back
- Movement Mortgage 35 servicemember complaints; 0 with money back
- Cardinal Financial Company, Limited Partnership 47 servicemember complaints; 2 with money back
- RoundPoint Mortgage Servicing 50 servicemember complaints; 0 with money back
Next in the directory by volume: Adp, American Coradius International, Charles Schwab Corporation, The.
Frequently asked questions
How many complaints did servicemembers file against Guild?
40 complaints tagged servicemember were received by the CFPB about Guild Holdings Company 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 rose from 7 in 2023 to 26 in 2025.
What do servicemembers complain about most at Guild?
Mortgage accounts for 32 of the 40 complaints, and the most common issue is "Struggling to pay mortgage" (12). Next: "Trouble during payment process" (11).
Does Guild give money back when a servicemember complains?
0 of the 40 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. 1 closed with non-monetary relief and 39 closed with an explanation only. Guild 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.