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Data / Consumer complaints / Perpay, Inc. / Credit card

Perpay, Inc.: 58 CFPB complaints about credit card, last 3 years

Perpay, Inc. drew 58 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 19.4% of its 299 complaints in that time. The most common issue was “Problem with a purchase shown on your statement”. The company responded on time to 100.0% of them, and 1.7% closed with monetary or other relief.

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.

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  • 58Complaints, last 3 years
  • 19.4%Share of the company's complaints
  • 100.0%Responded on time
  • 1.7%Closed with relief
  • Sep 18, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20264170.7%
12 months to Nov 6, 20251525.9%
12 months to Nov 6, 202423.4%

Issues

IssueComplaintsShare
Problem with a purchase shown on your statement1220.7%
Incorrect information on your report1017.2%
Getting a credit card915.5%
Other features, terms, or problems712.1%
Trouble using your card58.6%
Closing your account46.9%
Advertising and marketing, including promotional offers35.2%
Problem when making payments35.2%
Fees or interest23.4%
Credit monitoring or identity theft protection services11.7%
Problem with fraud alerts or security freezes11.7%
Struggling to pay your bill11.7%

How the company responded

Company responseComplaintsShare
Closed with explanation5798.3%
Closed with monetary relief11.7%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida712.1%
Texas712.1%
Illinois46.9%
New York46.9%
Arkansas35.2%
California35.2%
Georgia35.2%
Michigan35.2%
North Carolina23.4%
Ohio23.4%
Alabama11.7%
Colorado11.7%
Connecticut11.7%
Delaware11.7%
Kentucky11.7%
Massachusetts11.7%
Maryland11.7%
Minnesota11.7%
Missouri11.7%
Mississippi11.7%
New Jersey11.7%
Nevada11.7%
Oregon11.7%
Pennsylvania11.7%
South Dakota11.7%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
September 18, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 13, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
September 9, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
September 2, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
August 30, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
August 24, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
August 9, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
July 23, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
July 10, 2026Credit cardProblem with fraud alerts or security freezesClosed with explanationconsumerfinance.gov
July 6, 2026Credit cardTrouble using your cardClosed with explanationconsumerfinance.gov
June 26, 2026Credit cardCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
June 24, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
June 10, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
May 26, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 15, 2026Credit cardStruggling to pay your billClosed with explanationconsumerfinance.gov
May 13, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 12, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
April 29, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 24, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
April 17, 2026Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
April 8, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
April 1, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
March 31, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
March 26, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
March 24, 2026Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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. Spot a wrong value? Write to [email protected] with the link to this page.