Home › Complaints › Earnest

Earnest complaints

63 complaints in the last 12 months · trend ▼ 3.1% (last 12 mo 63 vs prior 12 mo 65) · timely response 100.0% (last 36 mo)

Complaints per year

• 202015
• 202122
• 202219
• 202325
• 202468
• 202552
• 2026*54

*2026 is year-to-date through 2026-10-12.

Top issues (last 36 months, 182 complaints)

• Dealing with your lender or servicer97 (53%)
• Struggling to repay your loan25 (14%)
• Getting a loan19 (10%)
• Improper use of your report19 (10%)
• Incorrect information on your report12 (7%)

Products

• Student loan144
• Credit reporting or other personal consumer reports31
• Debt collection5
• Credit card1

How the company responded

• Closed with explanation182

Insurance / charter status

Not an FDIC/NCUA-insured institution itself

CFPB company name(s): Earnest Inc.. Brands: Earnest. Data as of 2026-10-12. See it in the CFPB database ↗

CFPB: complaints are not verified and are not a statistical sample; counts track company size and product mix. Per-$1B-deposit rates divide last-12-month complaints by FDIC-reported domestic deposits of the mapped bank, and the CFPB entity can include non-bank products.

All companies →

FAQ

How many complaints does Earnest get?

63 CFPB complaints in the 12 months to 2026-10-12.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.