Data / Consumer complaints / Credit card

Credit card: 257,232 CFPB complaints in the last 3 years, by company

Name: CFPB consumer complaints about Credit card
Creator: SpecStream
License: https://creativecommons.org/licenses/by/4.0/

The CFPB database lists 257,232 consumer complaints about credit card in the three years to November 6, 2026, against 814 companies. Capital One Financial Corporation has the largest count, 30,434, which is 11.8% of the product's complaints. Companies responded on time to 99.4% of them, and 32.4% closed with monetary or other relief. A count is not a rate: a company with more customers draws more 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.

Get every company with more than 100 complaints Watch this product Get credit card in California

257,232Complaints, last 3 years
814Companies
99.4%Responded on time
32.4%Closed with relief
Nov 6, 2026Latest received

Companies by complaints

Ranked by the number of complaints, with each company's share of this product's complaints. Counts only: a larger company can draw more complaints.

Company	Complaints	Share	Responded on time	Closed with relief
Capital One Financial Corporation	30,434	11.8%	99.9%	23%
Citibank, N.A.	26,813	10.4%	100%	49.4%
Synchrony Financial	20,559	8%	98%	22.5%
JPMorgan Chase & Co.	18,287	7.1%	100%	21.1%
Equifax, Inc.	17,625	6.9%	100%	59.8%
TransUnion Intermediate Holdings, Inc.	16,381	6.4%	100%	84.4%
Experian Information Solutions Inc.	15,481	6%	100%	4.5%
American Express Company	14,369	5.6%	99.4%	22.1%
Bank of America, National Association	13,493	5.2%	99.3%	40.6%
Bread Financial Holdings, Inc.	9,037	3.5%	100%	51.5%
Wells Fargo & Company	8,345	3.2%	99.9%	27.7%
Goldman Sachs Bank USA	7,377	2.9%	100%	34.8%
Barclays Bank Delaware	6,656	2.6%	100%	9%
Discover Bank	6,302	2.4%	100%	25.7%
U.S. Bancorp	4,441	1.7%	100%	39.4%
TD Bank US Holding Company	3,645	1.4%	100%	36.2%
Navy Federal Credit Union	3,421	1.3%	100%	22.2%
CLGF Holdco 1, LLC	2,851	1.1%	99.6%	28.3%
Chime Financial Inc	2,107	0.8%	100%	10.4%
Atlanticus Services Corporation	1,836	0.7%	100%	56.8%
United Services Automobile Association	1,163	0.5%	100%	15.9%
Block, Inc.	1,159	0.5%	96%	1.7%
Paypal Holdings, Inc	1,146	0.4%	100%	33.6%
Truist Financial Corporation	929	0.4%	99.8%	15.1%
Continental Finance Company, LLC	915	0.4%	100%	0%
Affirm Holdings, Inc	903	0.4%	100%	0%
Avant Holding Company, Inc.	891	0.3%	99.4%	1.1%
Self Financial Inc.	887	0.3%	99.5%	0.6%
First National Bank of Omaha	826	0.3%	99.8%	21.5%
Robinhood Markets Inc.	801	0.3%	97.8%	0%
Resurgent Capital Services L.P.	686	0.3%	100%	19%
PNC Bank N.A.	678	0.3%	100%	11.4%
Bilt Technologies, Inc.	620	0.2%	81.6%	8.7%
Encore Capital Group Inc.	614	0.2%	100%	36%
Synovus Bank	582	0.2%	100%	20.8%
Klarna AB	534	0.2%	92.3%	10.7%
First Portfolio Servicing Inc	525	0.2%	99.8%	0%
BMO Bank National Association	442	0.2%	100%	34.2%
OneMain Finance Corporation	442	0.2%	100%	8.4%
Citizens Financial Group, Inc.	418	0.2%	100%	21.3%
SoFi Technologies, Inc.	413	0.2%	100%	11.4%
Ally Financial Inc.	411	0.2%	100%	17%
Fifth Third Financial Corporation	393	0.2%	100%	13.5%
Pentagon Federal Credit Union	389	0.2%	100%	21.9%
Imprint Payments, Inc.	365	0.1%	24.4%	2.7%
Portfolio Recovery Associates, LLC	339	0.1%	96.5%	29.8%
FinCo Services Inc DBA Current	293	0.1%	82.3%	3.4%
Kikoff Inc.	292	0.1%	100%	4.5%
Upgrade, Inc.	282	0.1%	99.6%	3.9%
Army and Air Force Exchange Service	261	0.1%	100%	0%
Mercury Financial Intermediate LLC	247	0.1%	99.6%	8.5%
Prosper Marketplace, Inc.	243	0.1%	100%	11.1%
Santander Holdings USA, Inc.	210	0.1%	100%	13.8%
Colony Brands, Inc.	208	0.1%	98.1%	1%
HSBC North America Holdings Inc.	203	0.1%	100%	3.9%
Pinnacle Financial Partners, Inc.	203	0.1%	100%	35.5%
Winklevoss Exchange LLC	197	0.1%	98%	4.6%
CL Holdings LLC	195	0.1%	100%	12.8%
Regions Financial Corporation	194	0.1%	100%	25.3%
Keycorp	186	0.1%	100%	28%
Exto Inc.	167	0.1%	98.8%	0%
Huntington National Bank, the	162	0.1%	100%	40.7%
Comerica	132	0.1%	100%	61.4%
Sunbit, Inc.	131	0.1%	99.2%	0%
M&T Bank Corporation	130	0.1%	100%	24.6%
Sparrow Financial, Inc.	128	0.1%	100%	0%
Netspend Corporation	123	0.1%	95.1%	0%
Sezzle Inc.	123	0.1%	99.2%	0.8%
TomoCredit Inc.	121	0.1%	86.8%	0%
Alliant Credit Union	113	0.1%	99.1%	22.1%
Credit Karma, LLC	108	0.1%	94.4%	27.8%
Marlette Funding, LLC	104	0.1%	99%	36.5%
Coinbase, Inc.	101	0.1%	97%	56.4%
Acima Credit, LLC	100	0.1%	99%	6%
Suncoast Credit Union	100	0.1%	100%	0%
Google Compare Credit Cards Inc.	97	0.1%	93.8%	0%
Commerce Bank	92	0.1%	98.9%	4.3%
First Technology Federal Credit Union	88	0.1%	98.9%	18.2%
Zip Co US Inc.	86	0.1%	94.2%	0%
Fiserv Finxact Core	84	0.1%	100%	2.4%
UMB Financial Corporation	83	0.1%	97.6%	6%
Ava Finance, Inc	82	0.1%	95.1%	2.4%
Boeing Employees' Credit Union	78	0.1%	100%	0%
State Employees’ Credit Union	75	0.1%	96%	0%
Vystar Credit Union	71	0.1%	100%	31%
Incomm Holdings Inc.	63	0.1%	74.6%	0%
Tilt Finance, Inc.	63	0.1%	98.4%	19%
Mountain America Federal Credit Union	60	0.1%	100%	21.7%
Perpay, Inc.	58	0.1%	100%	1.7%
Heartland Payment Systems Inc	57	0.1%	98.2%	0%
Golden 1 Credit Union, the	54	0.1%	100%	5.6%
Spring Oaks Capital, LLC	52	0.1%	100%	30.8%
Banco Popular De Puerto Rico	48	0.1%	100%	6.2%
Enova International, Inc.	46	0.1%	100%	0%
First Technology Federal Credit Union	46	0.1%	100%	0%
Randolph-Brooks Federal Credit Union	46	0.1%	100%	0%
Fidem Baltimore Holdings LLC	45	0.1%	100%	0%
Total Card, Inc.	45	0.1%	95.6%	0%
Capital Accounts, LLC	43	0.1%	2.3%	0%
America First Federal Credit Union	42	0.1%	90.5%	0%

By period

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

Period	Complaints	Share
12 months to Nov 6, 2026	95,652	37.2%
12 months to Nov 6, 2025	88,266	34.3%
12 months to Nov 6, 2024	73,314	28.5%

Issues

Issue	Complaints	Share
Problem with a purchase shown on your statement	64,230	25%
Incorrect information on your report	32,812	12.8%
Getting a credit card	31,367	12.2%
Other features, terms, or problems	25,961	10.1%
Problem with a company's investigation into an existing problem	24,047	9.3%
Fees or interest	23,481	9.1%
Closing your account	16,477	6.4%
Problem when making payments	13,460	5.2%
Advertising and marketing, including promotional offers	10,017	3.9%
Trouble using your card	8,907	3.5%
Struggling to pay your bill	3,387	1.3%
Improper use of your report	2,172	0.8%
Credit monitoring or identity theft protection services	547	0.2%
Problem with fraud alerts or security freezes	245	0.1%
Unable to get your credit report or credit score	122	0.1%

Sub-products

Sub-product	Complaints	Share
General-purpose credit card or charge card	228,633	88.9%
Store credit card	28,599	11.1%

How companies responded

Company response	Complaints	Share
Closed with explanation	169,219	65.8%
Closed with non-monetary relief	47,879	18.6%
Closed with monetary relief	35,454	13.8%
In progress	4,295	1.7%
Untimely response	385	0.1%

States

State	Complaints	Share
California	35,476	13.8%
Texas	30,644	11.9%
Florida	25,732	10%
New York	19,268	7.5%
Illinois	11,565	4.5%
Georgia	10,726	4.2%
Pennsylvania	9,320	3.6%
New Jersey	9,257	3.6%
Virginia	8,146	3.2%
North Carolina	7,600	3%
Ohio	5,790	2.3%
Maryland	5,589	2.2%
Arizona	5,377	2.1%
Michigan	5,271	2%
Massachusetts	5,050	2%
Washington	4,780	1.9%
Colorado	3,640	1.4%
Tennessee	3,608	1.4%
Nevada	3,472	1.3%
Missouri	3,144	1.2%
South Carolina	3,127	1.2%
Indiana	3,092	1.2%
Louisiana	2,984	1.2%
Connecticut	2,854	1.1%
Alabama	2,636	1%

Latest 50 complaints

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

Received	Company	Issue	Company response	Source
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	Snap US Holdings, LLC	Fees or interest	In progress	consumerfinance.gov
November 6, 2026	Barclays Bank Delaware	Trouble using your card	In progress	consumerfinance.gov
November 6, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 6, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	Barclays Bank Delaware	Advertising and marketing, including promotional offers	In progress	consumerfinance.gov
November 6, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 6, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Boeing Employees' Credit Union	Other features, terms, or problems	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Advertising and marketing, including promotional offers	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Problem with a company's investigation into an existing problem	In progress	consumerfinance.gov
November 5, 2026	Atlanticus Services Corporation	Problem when making payments	Closed with non-monetary relief	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Atlanticus Services Corporation	Getting a credit card	Closed with explanation	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Security Service Federal Credit Union	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Navy Federal Credit Union	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 5, 2026	TransUnion Intermediate Holdings, Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Barclays Bank Delaware	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 5, 2026	Experian Information Solutions Inc.	Incorrect information on your report	In progress	consumerfinance.gov
November 4, 2026	Bank of America, National Association	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 4, 2026	Barclays Bank Delaware	Other features, terms, or problems	In progress	consumerfinance.gov
November 4, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 4, 2026	Experian Information Solutions Inc.	Getting a credit card	In progress	consumerfinance.gov
November 4, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 4, 2026	Barclays Bank Delaware	Problem with a purchase shown on your statement	In progress	consumerfinance.gov
November 4, 2026	TransUnion Intermediate Holdings, Inc.	Getting a credit card	In progress	consumerfinance.gov
November 4, 2026	Experian Information Solutions Inc.	Closing your account	In progress	consumerfinance.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.