HEI Facts.com

DataLast checked September 23, 2026

HEI complaints and lawsuits, by provider

Every consumer complaint about Point, Hometap, Unlock, Unison, and Splitero in the CFPB's public database (131 as of September 30, 2026), plus the state enforcement actions and court cases on our tracker.

Key findings

  1. The CFPB's public database holds 131 complaints naming the five HEI companies we could identify, 88 of them filed since January 2025.
  2. Point has the most (55), then Hometap (32). Counts aren't adjusted for size: bigger providers have more customers (see how to read these numbers).
  3. The most common issue is applying for a mortgage or refinancing an existing mortgage (44 complaints), then trouble during payment process (37) and closing on a mortgage (24).
  4. Companies answered 131 of 131 on time. 5 ended with relief for the consumer; most were closed with an explanation.
  5. Separately, our tracker lists 4 state enforcement actions and court cases involving these providers.

Complaints by provider

ProviderCFPB complaintsSince 2025Most common issueEnforcement and court cases
Point5530Applying for a mortgage or refinancing an existing mortgage0
Hometap3226Applying for a mortgage or refinancing an existing mortgage1
Unlock2623Applying for a mortgage or refinancing an existing mortgage2
Unison156Trouble during payment process1
Splitero33Applying for a mortgage or refinancing an existing mortgage0
CHEIFS0-None found under its name0

Complaints from the CFPB Consumer Complaint Database, retrieved September 30, 2026. Enforcement and court cases from our regulatory tracker.

What people complain about

All 131 complaints, by the issue the consumer chose.

Applying for a mortgage or refinancing an existing mortgage44
Trouble during payment process37
Closing on a mortgage24
Struggling to pay mortgage9
Improper use of your report7
Incorrect information on your report3
Problem with a company's investigation into an existing problem2
Problem with cash advance1

Point: complaints and lawsuits

55 complaints filed September 14, 2020 to September 24, 2026, under the company name "Point Digital Finance, Inc.". By year: 2020: 1, 2021: 2, 2022: 7, 2023: 2, 2024: 13, 2025: 11, 2026: 19.

Top issues:

  • Applying for a mortgage or refinancing an existing mortgage: 19
  • Trouble during payment process: 16
  • Closing on a mortgage: 12
  • Struggling to pay mortgage: 4
  • Incorrect information on your report: 1

Company responses: closed with explanation: 53; in progress: 1; closed with monetary relief: 1. Answered on time: 55 of 55.

Read Point's complaints in the CFPB database.

Enforcement and court cases

We found no state enforcement action or court case involving Point in our review of primary sources, as of September 23, 2026.

More on Point: review · cost calculator · requirements

Hometap: complaints and lawsuits

32 complaints filed April 15, 2022 to August 13, 2026, under the company name "Hometap Equity Partners, LLC". By year: 2022: 2, 2023: 3, 2024: 1, 2025: 17, 2026: 9.

Top issues:

  • Applying for a mortgage or refinancing an existing mortgage: 10
  • Trouble during payment process: 9
  • Closing on a mortgage: 4
  • Improper use of your report: 4
  • Struggling to pay mortgage: 2

Company responses: closed with explanation: 30; closed with non-monetary relief: 2. Answered on time: 32 of 32.

Read Hometap's complaints in the CFPB database.

Enforcement and court cases

MassachusettsEnforcementPendingFiled February 2025

Massachusetts attorney general sues Hometap

Filed in Suffolk County Superior Court against Hometap Equity Partners, LLC and HomeTap Management Holdings, LLC.

  • The attorney general alleges Hometap charged unlawfully high interest, made mortgage loans without adequate financial assessment or underwriting, offered illegal reverse mortgages that fail to comply with state consumer protection laws, and concealed the cost and nature of the product.
  • The case is ongoing. News reports say the court has allowed it to proceed.

The case's current status is as reported by HousingWire.


Sources: Massachusetts Attorney General press release · HousingWire: Massachusetts lawsuit against Hometap proceeds secondary

More on Hometap: review · cost calculator · requirements

Unlock: complaints and lawsuits

26 complaints filed July 2, 2024 to September 14, 2026, under the company name "Unlock Technologies, Inc.". By year: 2024: 3, 2025: 10, 2026: 13.

Top issues:

  • Applying for a mortgage or refinancing an existing mortgage: 8
  • Closing on a mortgage: 7
  • Trouble during payment process: 5
  • Struggling to pay mortgage: 2
  • Improper use of your report: 2

Company responses: closed with explanation: 22; in progress: 3; closed with non-monetary relief: 1. Answered on time: 26 of 26.

Read Unlock's complaints in the CFPB database.

Enforcement and court cases

MinnesotaEnforcementSettledAnnounced August 7, 2026

Minnesota attorney general settlement with Unlock

The attorney general's office investigated Unlock for entering into mortgage loans without complying with Minnesota law. Unlock denied the allegations but settled.

  • From 2021 through 2023, Unlock entered into approximately 86 "home equity agreements" in Minnesota.
  • Unlock agreed to $944,626 in monetary and debt relief: $201,050 in direct refunds, an estimated $460,000 in debt relief, and $283,576 for further restitution.
  • Unlock agreed not to enter new agreements unless licensed by the Minnesota Department of Commerce, and to follow the state's Mortgage Originator and Servicer Licensing Act, including its rate caps.

Sources: Minnesota Attorney General press release

ColoradoEnforcementSettledAnnounced June 24, 2026

Colorado attorney general settlement with Unlock

The attorney general determined that Unlock's home equity agreements are consumer credit transactions under Colorado law.

  • Unlock must comply with Colorado's Uniform Consumer Credit Code, including the Consumer Equity Protection Act, its rate limits, and its required disclosures.
  • Unlock must obtain all required Colorado licenses before resuming operations there.
  • As of the announcement, Unlock had identified $283,375 in restitution owed to 125 Colorado consumers, a figure the office expected to grow as more agreements close.

Sources: Colorado Attorney General press release · Assurance of discontinuance (PDF)

More on Unlock: review · cost calculator · requirements

Unison: complaints and lawsuits

15 complaints filed December 3, 2022 to May 27, 2026, under the company name "Real Estate Equity Exchange, Inc. d/b/a Unison". By year: 2022: 1, 2023: 4, 2024: 4, 2025: 3, 2026: 3.

Top issues:

  • Trouble during payment process: 7
  • Applying for a mortgage or refinancing an existing mortgage: 4
  • Struggling to pay mortgage: 1
  • Closing on a mortgage: 1
  • Confusing or missing disclosures: 1

Company responses: closed with explanation: 14; closed with non-monetary relief: 1. Answered on time: 15 of 15.

Read Unison's complaints in the CFPB database.

Enforcement and court cases

WashingtonCourt caseVacatedRuling August 2025; vacated October 17, 2025

Olson v. Unison Agreement Corp. (U.S. Court of Appeals for the Ninth Circuit)

In August 2025 a Ninth Circuit panel, in an unpublished decision, held that Unison's agreement met Washington's definition of a reverse mortgage and revived the homeowners' consumer protection claims. After the parties settled, the court on October 17, 2025 granted their request to dismiss and vacated its August judgment, so the ruling does not stand as precedent.

The later dismissal and vacatur are as reported by HousingWire.


Sources: Ninth Circuit memorandum, August 2025 (PDF, via plaintiffs' counsel) · HousingWire: appeals court throws curve ball secondary

More on Unison: review · cost calculator · requirements

Splitero: complaints and lawsuits

3 complaints filed March 11, 2026 to April 25, 2026, under the company name "Splitero, Inc.". By year: 2026: 3.

Top issues:

  • Applying for a mortgage or refinancing an existing mortgage: 3

Company responses: in progress: 3. Answered on time: 3 of 3.

Read Splitero's complaints in the CFPB database.

Enforcement and court cases

We found no state enforcement action or court case involving Splitero in our review of primary sources, as of September 23, 2026.

More on Splitero: review · cost calculator · requirements

CHEIFS: complaints and lawsuits

We found no company under a CHEIFS name in the CFPB database as of September 30, 2026. It may operate under a different legal name.

Enforcement and court cases

We found no state enforcement action or court case involving CHEIFS in our review of primary sources, as of September 23, 2026.

More on CHEIFS: review · cost calculator · requirements

How to read these numbers

  • The CFPB publishes complaints after the company responds or 15 days pass; it does not verify every fact in a complaint.
  • Counts are not adjusted for each company's size, so a higher count can reflect more customers. The CFPB's January 2025 market report gives dated volumes (Unison 12,000+ contracts, Hometap 10,000+, Point 10,000 in 2023 alone), but they cover different periods, so we don't compute a complaint rate.
  • There is no home equity investment category, so these complaints are filed under Mortgage and other products. We count every complaint naming the company.

The CFPB lists HEI companies under their legal names, which we matched by searching the database: Point as "Point Digital Finance, Inc."; Hometap as "Hometap Equity Partners, LLC"; Unlock as "Unlock Technologies, Inc."; Unison as "Real Estate Equity Exchange, Inc. d/b/a Unison"; Splitero as "Splitero, Inc.".

Questions

Has Point been sued?

We found no state enforcement action or court case involving Point in our review of primary sources as of September 23, 2026.

Is Hometap being sued?

Our tracker lists 1 item involving Hometap: Massachusetts attorney general sues Hometap (pending, Filed February 2025).

Is Unlock being sued?

Our tracker lists 2 items involving Unlock: Minnesota attorney general settlement with Unlock (settled, Announced August 7, 2026); Colorado attorney general settlement with Unlock (settled, Announced June 24, 2026).

Is Unison being sued?

Our tracker lists 1 item involving Unison: Olson v. Unison Agreement Corp. (U.S. Court of Appeals for the Ninth Circuit) (vacated, Ruling August 2025; vacated October 17, 2025).

Has Splitero been sued?

We found no state enforcement action or court case involving Splitero in our review of primary sources as of September 23, 2026.

Has CHEIFS been sued?

We found no state enforcement action or court case involving CHEIFS in our review of primary sources as of September 23, 2026.

How do I file a complaint about a home equity investment company?

Submit it to the CFPB at consumerfinance.gov/complaint, and to your state attorney general or financial regulator. The CFPB forwards it to the company, which is expected to respond within 15 days.

Data

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Free to use with attribution (CC BY 4.0). Refreshed when we re-check the database.

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