# Flat Branch Mortgage, Inc.: 18 CFPB complaints, last 3 years

Updated November 10, 2026.

Flat Branch Mortgage, Inc. drew 18 consumer complaints in the CFPB database in the three years to November 9, 2026, and 35 since 2013. The largest group, 13, was about mortgage, and the most common issue was “Struggling to pay mortgage” with 4. The company responded on time to 94.4% of the complaints, and 27.8% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 18
- Complaints, all years: 35
- Responded on time: 94.4%
- Closed with relief: 27.8%
- Products: 3
- Latest received: Oct 13, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 7 |
| 2025 | 6 |
| 2024 | 5 |
| 2023 | 7 |
| 2022 | 2 |
| 2021 | 3 |
| 2020 | 1 |
| 2018 | 2 |
| 2017 | 1 |
| 2013 | 1 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Mortgage](https://specstream.ai/data/consumer-complaints/product/mortgage) | 13 | 72.2% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 4 | 22.2% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 1 | 5.6% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Struggling to pay mortgage | 4 | 22.2% |
| Trouble during payment process | 4 | 22.2% |
| Applying for a mortgage or refinancing an existing mortgage | 3 | 16.7% |
| Improper use of your report | 2 | 11.1% |
| Problem with a company's investigation into an existing problem | 2 | 11.1% |
| Closing on a mortgage | 1 | 5.6% |
| Incorrect information on your report | 1 | 5.6% |
| Took or threatened to take negative or legal action | 1 | 5.6% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 13 | 72.2% |
| Closed with non-monetary relief | 4 | 22.2% |
| Closed with monetary relief | 1 | 5.6% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Missouri](https://specstream.ai/data/consumer-complaints/state/missouri) | 8 | 44.4% |
| [Illinois](https://specstream.ai/data/consumer-complaints/state/illinois) | 2 | 11.1% |
| [Kansas](https://specstream.ai/data/consumer-complaints/state/kansas) | 2 | 11.1% |
| [Oklahoma](https://specstream.ai/data/consumer-complaints/state/oklahoma) | 2 | 11.1% |
| [Arkansas](https://specstream.ai/data/consumer-complaints/state/arkansas) | 1 | 5.6% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 1 | 5.6% |
| [Iowa](https://specstream.ai/data/consumer-complaints/state/iowa) | 1 | 5.6% |
| [Nebraska](https://specstream.ai/data/consumer-complaints/state/nebraska) | 1 | 5.6% |

## Latest 18 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| October 13, 2026 | Mortgage | Struggling to pay mortgage | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/29880735) |
| June 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23483993) |
| May 7, 2026 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21985554) |
| May 5, 2026 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21900136) |
| February 23, 2026 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19702018) |
| February 2, 2026 | Mortgage | Applying for a mortgage or refinancing an existing mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19185175) |
| January 21, 2026 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18880391) |
| November 18, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17345173) |
| August 18, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15346724) |
| August 10, 2025 | Mortgage | Problem with a company's investigation into an existing problem | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15191322) |
| March 25, 2025 | Mortgage | Trouble during payment process | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12651033) |
| March 7, 2025 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12368672) |
| February 17, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12112847) |
| October 23, 2024 | Mortgage | Struggling to pay mortgage | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10552331) |
| July 17, 2024 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9537931) |
| July 4, 2024 | Mortgage | Trouble during payment process | Closed with non-monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9425684) |
| June 13, 2024 | Mortgage | Closing on a mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9253784) |
| May 10, 2024 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8981187) |

## Also on SpecStream

- [Every company with Mortgage complaints](https://specstream.ai/data/consumer-complaints/product/mortgage)
- [Every company with Credit reporting or other personal consumer reports complaints](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Missouri](https://specstream.ai/data/consumer-complaints/state/missouri)
- [Consumer complaints in Oklahoma](https://specstream.ai/data/consumer-complaints/state/oklahoma)
- [Consumer complaints in Illinois](https://specstream.ai/data/consumer-complaints/state/illinois)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).