Loan servicer · complaint record
Cognition Financial complaints
Filed under Cognition Financial Corporation
Consumers have filed 40 complaints about Cognition Financial since 2012, none in the last 12 months. It answered 100% on time and closed 15% with relief for the customer. The most common problem is problems when you are unable to pay.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 40
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 15%
- Last 30 days
- 0
- Rank
- -
Since March 2012
new vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Feb 1, 2018
Cognition Financial complaints by month
The busiest month was May 2012 (8 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cognition Financial answered all time
- Closed with monetary relief12.5%
- Closed with non-monetary relief512.5%
- Closed with explanation3485%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Cognition Financial complaints are about
Top Cognition Financial problems
Where Cognition Financial complaints come from
Most complaints: Texas (6), North Carolina (3), Arizona (3), Florida (3), Georgia (3).
Cognition Financial compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | EarnestStudent loans | 51 | 68 | C |
| 2 | College Ave Student Loan ServicingStudent loans | 55 | 67 | C |
| 3 | Meritize FinancialStudent loans | 0 | 47 | F |
| 4 | LendKey TechnologiesStudent loans | 85 | 42 | A |
| 5 | Iowa Student Loan LiquidityStudent loans | 51 | 36 | C |
| 6 | MPOWER Financing, Public BenefitStudent loans | 40 | 32 | D |
| 7 | Kentucky Higher Education Assistance AuthorityStudent loans | 49 | 32 | D |
| 8 | Cognition FinancialStudent loans | - | 0 | - |
Compare side by side: Cognition Financial vs Earnest · Cognition Financial vs College Ave Student Loan Servicing · Cognition Financial vs Meritize Financial · Cognition Financial vs LendKey Technologies
What people say about Cognition Financial
All experiencesNo experiences with Cognition Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cognition Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 1, 2018 | Student loans | Dealing with your lender or servicerNeed information about your loan balance or loan terms | Explained |
| Sep 21, 2017 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | Explained |
| Apr 20, 2017 | Student loans | Dealing with my lender or servicerKeep getting calls about my loan | Explained |
| Apr 4, 2017 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 14, 2016 | Student loans | Dealing with my lender or servicerDon't agree with fees charged | Explained |
| Apr 8, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 16, 2015 | Student loans | Dealing with my lender or servicerDon't agree with fees charged | Explained |
| Sep 30, 2015 | Bank accounts | Account opening, closing, or management | Explained |
| Oct 17, 2014 | Student loans | Dealing with my lender or servicerHaving problems with customer service | Money back |
| Feb 11, 2014 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 27, 2013 | Student loans | Problems when you are unable to pay | Explained |
| Aug 29, 2013 | Student loans | Repaying your loan | Explained |
Questions about Cognition Financial
How many complaints does Cognition Financial have?
Cognition Financial has 40 complaints on record since March 2012, including 0 in the last 12 months and 0 in the last 30 days.
Does Cognition Financial respond to complaints?
Yes. Cognition Financial answered 100% of its complaints on time (within 15 days) and closed 15% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Cognition Financial?
The most common problems are problems when you are unable to pay (17), repaying your loan (13), dealing with my lender or servicer (4).
Is Cognition Financial legit?
Cognition Financial is a real company with a public complaint record: consumers have complained about it 40 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cognition Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Cognition Financial?
Complain to Cognition Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Cognition Financial complaints come from?
Most come from Texas (6), North Carolina (3), Arizona (3). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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