# Ready Capital Corporation: 38 CFPB complaints, last 3 years

Updated November 10, 2026.

Ready Capital Corporation drew 38 consumer complaints in the CFPB database in the three years to November 9, 2026, and 58 since 2021. The largest group, 24, was about mortgage, and the most common issue was “Trouble during payment process” with 17. The company responded on time to 94.7% of the complaints, and 2.6% 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: 38
- Complaints, all years: 58
- Responded on time: 94.7%
- Closed with relief: 2.6%
- Products: 4
- Latest received: Aug 7, 2026

## Complaints by year

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

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 8 |
| 2025 | 14 |
| 2024 | 11 |
| 2023 | 15 |
| 2022 | 5 |
| 2021 | 5 |

## 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) | 24 | 63.2% |
| [Credit reporting or other personal consumer reports](https://specstream.ai/data/consumer-complaints/product/credit-reporting-or-other-personal-consumer-reports) | 9 | 23.7% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 3 | 7.9% |
| [Payday loan, title loan, personal loan, or advance loan](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan) | 2 | 5.3% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Trouble during payment process | 17 | 44.7% |
| Improper use of your report | 5 | 13.2% |
| Struggling to pay mortgage | 4 | 10.5% |
| Attempts to collect debt not owed | 3 | 7.9% |
| Incorrect information on your report | 3 | 7.9% |
| Closing on a mortgage | 2 | 5.3% |
| Credit monitoring or identity theft protection services | 1 | 2.6% |
| Getting a line of credit | 1 | 2.6% |
| Problem with a company's investigation into an existing problem | 1 | 2.6% |
| Problem with additional add-on products or services | 1 | 2.6% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 37 | 97.4% |
| Closed with monetary relief | 1 | 2.6% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Louisiana](https://specstream.ai/data/consumer-complaints/state/louisiana) | 20 | 52.6% |
| [Alabama](https://specstream.ai/data/consumer-complaints/state/alabama) | 4 | 10.5% |
| [Mississippi](https://specstream.ai/data/consumer-complaints/state/mississippi) | 3 | 7.9% |
| [South Carolina](https://specstream.ai/data/consumer-complaints/state/south-carolina) | 3 | 7.9% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 1 | 2.6% |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 1 | 2.6% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 1 | 2.6% |
| [Minnesota](https://specstream.ai/data/consumer-complaints/state/minnesota) | 1 | 2.6% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 1 | 2.6% |
| [New Jersey](https://specstream.ai/data/consumer-complaints/state/new-jersey) | 1 | 2.6% |
| [Ohio](https://specstream.ai/data/consumer-complaints/state/ohio) | 1 | 2.6% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 1 | 2.6% |

## Latest 38 complaints

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

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| August 7, 2026 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25093883) |
| July 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting a line of credit | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24238456) |
| May 27, 2026 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22614136) |
| April 1, 2026 | Credit reporting or other personal consumer reports | Credit monitoring or identity theft protection services | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20837022) |
| March 12, 2026 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20215816) |
| February 20, 2026 | Mortgage | Incorrect information on your report | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19665332) |
| January 24, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18984627) |
| January 13, 2026 | 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/18674405) |
| November 12, 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/20550502) |
| November 12, 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/17202337) |
| October 9, 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/16480635) |
| June 10, 2025 | 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/14001398) |
| June 9, 2025 | Mortgage | Closing on a mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13980585) |
| April 3, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12804887) |
| March 13, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12452649) |
| February 27, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12267144) |
| February 3, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11915911) |
| January 29, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11836649) |
| January 27, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11790372) |
| January 21, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11598409) |
| January 15, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11547058) |
| January 3, 2025 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11371274) |
| November 22, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10884939) |
| August 21, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9874067) |
| August 12, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9772392) |
| July 26, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9625585) |
| July 18, 2024 | Mortgage | Closing on a mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9553088) |
| July 11, 2024 | 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/9482816) |
| June 26, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9342746) |
| May 17, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9034921) |
| April 5, 2024 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8690931) |
| February 15, 2024 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8348594) |
| January 12, 2024 | Mortgage | Struggling to pay mortgage | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8148547) |
| December 15, 2023 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8009999) |
| December 13, 2023 | 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/7994599) |
| December 8, 2023 | Mortgage | Trouble during payment process | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7963931) |
| December 4, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7946733) |
| December 1, 2023 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7936722) |

## 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)
- [Every company with Payday loan, title loan, personal loan, or advance loan complaints](https://specstream.ai/data/consumer-complaints/product/payday-loan-title-loan-personal-loan-or-advance-loan)
- [Consumer complaints in Louisiana](https://specstream.ai/data/consumer-complaints/state/louisiana)
- [Consumer complaints in Alabama](https://specstream.ai/data/consumer-complaints/state/alabama)
- [Consumer complaints in Mississippi](https://specstream.ai/data/consumer-complaints/state/mississippi)
- [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/).