Data / Consumer complaints / Prepaid card

Prepaid card: 19,165 CFPB complaints in the last 3 years, by company

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

The CFPB database lists 19,165 consumer complaints about prepaid card in the three years to November 6, 2026, against 221 companies. American Express Company has the largest count, 4,117, which is 21.5% of the product's complaints. Companies responded on time to 94.1% of them, and 25.1% 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.

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19,165Complaints, last 3 years
221Companies
94.1%Responded on time
25.1%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
American Express Company	4,117	21.5%	99.9%	57.5%
Incomm Holdings Inc.	2,187	11.4%	72.9%	0%
Comerica	1,981	10.3%	100%	67%
Block, Inc.	1,969	10.3%	96.8%	0.1%
Bank of America, National Association	1,133	5.9%	99.9%	21.3%
Netspend Corporation	1,030	5.4%	95.2%	0%
U.S. Bancorp	948	4.9%	100%	22.3%
Fiserv Finxact Core	806	4.2%	100%	1.1%
Conduent Incorporated	631	3.3%	52.3%	1.4%
Blackhawk Network Holdings Inc.	599	3.1%	95.5%	0.7%
Chime Financial Inc	467	2.4%	100%	9%
Paypal Holdings, Inc	409	2.1%	100%	37.4%
Fifth Third Financial Corporation	319	1.7%	100%	35.1%
ADP Inc.	278	1.5%	100%	0%
Newport Intermediate Inc.	252	1.3%	97.2%	11.9%
Equifax, Inc.	117	0.6%	100%	30.8%
Google Compare Credit Cards Inc.	103	0.5%	86.4%	0%
Branch Messenger, Inc.	91	0.5%	100%	0%
Capital One Financial Corporation	91	0.5%	100%	35.2%
Regions Financial Corporation	91	0.5%	100%	29.7%
Payfare International Inc.	88	0.5%	100%	1.1%
Keycorp	73	0.4%	100%	58.9%
Citibank, N.A.	72	0.4%	100%	31.9%
JPMorgan Chase & Co.	61	0.3%	100%	4.9%
FinCo Services Inc DBA Current	60	0.3%	90%	1.7%
Credit Karma, LLC	50	0.3%	100%	50%
CARD Corporation	46	0.2%	91.3%	2.2%
Skrill USA, Inc.	43	0.2%	100%	0%
Wells Fargo & Company	43	0.2%	100%	9.3%
DailyPay, Inc	42	0.2%	97.6%	2.4%
Optum Bank, Inc.	42	0.2%	97.6%	0%
New York Community Bancorp Inc	40	0.2%	97.5%	2.5%
Synchrony Financial	36	0.2%	100%	13.9%
TransUnion Intermediate Holdings, Inc.	35	0.2%	100%	85.7%
Experian Information Solutions Inc.	34	0.2%	100%	0%
Klarna AB	32	0.2%	87.5%	18.8%
Payactiv, Inc.	32	0.2%	78.1%	0%
Foris DAX, Inc.	28	0.1%	100%	0%
PNC Bank N.A.	27	0.1%	100%	7.4%
Revolut Technologies Inc.	27	0.1%	100%	3.7%
Affirm Holdings, Inc	24	0.1%	100%	0%
TD Bank US Holding Company	22	0.1%	100%	40.9%
Coinbase, Inc.	21	0.1%	100%	61.9%
Navy Federal Credit Union	19	0.1%	100%	21.1%
Propel, Inc.	19	0.1%	84.2%	0%
Sezzle Inc.	19	0.1%	94.7%	0%
Self Financial Inc.	18	0.1%	100%	0%
Greenlight Financial Technology, Inc	17	0.1%	100%	0%
SoFi Technologies, Inc.	15	0.1%	100%	6.7%
Truist Financial Corporation	15	0.1%	100%	6.7%
Goldman Sachs Bank USA	13	0.1%	100%	0%
Western Union Company, the	13	0.1%	100%	0%
Albert Corporation	12	0.1%	100%	0%
Dave Operating, LLC	11	0.1%	100%	0%
Santander Holdings USA, Inc.	11	0.1%	100%	27.3%
Securus J Holdings, LLC	11	0.1%	100%	0%
True Link Financial, Inc.	11	0.1%	100%	0%
Robinhood Markets Inc.	10	0.1%	100%	0%
Synovus Bank	10	0.1%	100%	20%
Bread Financial Holdings, Inc.	9	0.1%	100%	22.2%
Commerce Bank	9	0.1%	100%	22.2%
Discover Bank	9	0.1%	100%	11.1%
PLS Group, Inc	9	0.1%	100%	11.1%
CCF Intermediate Holdings LLC	8	0.1%	100%	0%
MoneyLion Inc.	8	0.1%	100%	12.5%
Global Tel*Link Corporation	7	0.1%	100%	0%
BMO Bank National Association	6	0.1%	100%	16.7%
United Services Automobile Association	6	0.1%	100%	0%
Zip Co US Inc.	6	0.1%	100%	0%
Apple Financing LLC	5	0.1%	100%	0%
B9, Inc.	5	0.1%	80%	0%
Early Warning Services, LLC	5	0.1%	100%	0%
Fold, Inc.	5	0.1%	100%	0%
ICUL Service Corporation	5	0.1%	100%	100%
Kikoff Inc.	5	0.1%	100%	0%
Transcard, LLC	5	0.1%	100%	0%
Westlake Services, LLC	5	0.1%	100%	0%
Barclays Bank Delaware	4	0.1%	100%	0%
Huntington National Bank, the	4	0.1%	100%	75%
Indie Technology DBA Found	4	0.1%	100%	0%
Majority USA, LLC	4	0.1%	75%	25%
Meta Payments Inc.	4	0.1%	100%	25%
Pentagon Federal Credit Union	4	0.1%	100%	25%
Populus Financial Group, Inc. (F/K/A Ace Cash Express)	4	0.1%	100%	0%
Rapid Investments Holdings, Inc	4	0.1%	100%	75%
TransferWise Ltd	4	0.1%	100%	0%
Webster Bank, National Association	4	0.1%	100%	25%
Axos Financial, Inc.	3	0.1%	100%	0%
Blackhawk Finance	3	0.1%	0%	0%
CIBC Bancorp USA Inc.	3	0.1%	100%	0%
Citizens Financial Group, Inc.	3	0.1%	100%	0%
Exto Inc.	3	0.1%	100%	0%
First National Bank of Omaha	3	0.1%	100%	0%
First Portfolio Servicing Inc	3	0.1%	100%	0%
Moneygram Payment Systems Worldwide Inc	3	0.1%	100%	0%
Perpay, Inc.	3	0.1%	100%	33.3%
Remitly, Inc.	3	0.1%	100%	0%
Southstate Bank Corporation	3	0.1%	100%	0%
The Aligned Company DBA Extra	3	0.1%	100%	0%
TomoCredit Inc.	3	0.1%	100%	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	6,295	32.8%
12 months to Nov 6, 2025	6,580	34.3%
12 months to Nov 6, 2024	6,290	32.8%

Issues

Issue	Complaints	Share
Trouble using the card	8,283	43.2%
Problem with a purchase or transfer	5,679	29.6%
Problem getting a card or closing an account	2,818	14.7%
Unexpected or other fees	2,079	10.8%
Advertising	233	1.2%
Problem with overdraft	73	0.4%

Sub-products

Sub-product	Complaints	Share
General-purpose prepaid card	10,482	54.7%
Government benefit card	5,203	27.1%
Gift card	2,433	12.7%
Payroll card	1,023	5.3%
Student prepaid card	24	0.1%

How companies responded

Company response	Complaints	Share
Closed with explanation	14,193	74.1%
Closed with monetary relief	3,646	19%
Closed with non-monetary relief	1,165	6.1%
In progress	100	0.5%
Untimely response	61	0.3%

States

State	Complaints	Share
California	3,853	20.1%
Texas	1,390	7.3%
New York	1,374	7.2%
Florida	1,122	5.9%
Georgia	682	3.6%
New Jersey	666	3.5%
Illinois	622	3.2%
Pennsylvania	568	3%
Ohio	542	2.8%
Michigan	532	2.8%
North Carolina	482	2.5%
Virginia	443	2.3%
Massachusetts	425	2.2%
Arizona	415	2.2%
Washington	381	2%
Tennessee	375	2%
Maryland	351	1.8%
Colorado	339	1.8%
Indiana	311	1.6%
Missouri	309	1.6%
Nevada	305	1.6%
South Carolina	275	1.4%
Alabama	256	1.3%
Louisiana	236	1.2%
Mississippi	230	1.2%

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	Fiserv Finxact Core	Problem getting a card or closing an account	In progress	consumerfinance.gov
November 4, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
November 4, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	In progress	consumerfinance.gov
November 4, 2026	Fiserv Finxact Core	Problem getting a card or closing an account	Closed with explanation	consumerfinance.gov
November 4, 2026	Fiserv Finxact Core	Problem getting a card or closing an account	In progress	consumerfinance.gov
November 4, 2026	Newport Intermediate Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
November 4, 2026	Google Compare Credit Cards Inc.	Trouble using the card	Closed with explanation	consumerfinance.gov
November 3, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	In progress	consumerfinance.gov
November 3, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
November 3, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
November 3, 2026	Blackhawk Network Holdings Inc.	Trouble using the card	Closed with explanation	consumerfinance.gov
November 3, 2026	Google Compare Credit Cards Inc.	Trouble using the card	Closed with explanation	consumerfinance.gov
November 2, 2026	Block, Inc.	Unexpected or other fees	Closed with explanation	consumerfinance.gov
November 1, 2026	Fiserv Finxact Core	Unexpected or other fees	Closed with explanation	consumerfinance.gov
November 1, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 31, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 31, 2026	Netspend Corporation	Problem getting a card or closing an account	Closed with explanation	consumerfinance.gov
October 31, 2026	Netspend Corporation	Trouble using the card	Closed with explanation	consumerfinance.gov
October 31, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 31, 2026	Fiserv Finxact Core	Trouble using the card	In progress	consumerfinance.gov
October 31, 2026	Blackhawk Network Holdings Inc.	Problem with a purchase or transfer	In progress	consumerfinance.gov
October 30, 2026	Block, Inc.	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 30, 2026	JPMorgan Chase & Co.	Advertising	Closed with explanation	consumerfinance.gov
October 30, 2026	Block, Inc.	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 30, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 30, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 30, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 30, 2026	Incomm Holdings Inc.	Trouble using the card	Closed with explanation	consumerfinance.gov
October 30, 2026	Netspend Corporation	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 30, 2026	Fiserv Finxact Core	Problem getting a card or closing an account	Closed with explanation	consumerfinance.gov
October 29, 2026	Fiserv Finxact Core	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 29, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 29, 2026	Klarna AB	Trouble using the card	Closed with explanation	consumerfinance.gov
October 29, 2026	Skrill USA, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 29, 2026	Branch Messenger, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 29, 2026	Block, Inc.	Problem getting a card or closing an account	Closed with explanation	consumerfinance.gov
October 29, 2026	Netspend Corporation	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 28, 2026	Western Union Company, the	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 28, 2026	Incomm Holdings Inc.	Problem getting a card or closing an account	Closed with explanation	consumerfinance.gov
October 28, 2026	PNC Bank N.A.	Problem with a purchase or transfer	In progress	consumerfinance.gov
October 28, 2026	Blackhawk Network Holdings Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 28, 2026	U.S. Bancorp	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 28, 2026	Block, Inc.	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 28, 2026	FinCo Services Inc DBA Current	Problem with a purchase or transfer	In progress	consumerfinance.gov
October 28, 2026	Newport Intermediate Inc.	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 28, 2026	Incomm Holdings Inc.	Trouble using the card	Closed with explanation	consumerfinance.gov
October 27, 2026	FinCo Services Inc DBA Current	Problem with a purchase or transfer	In progress	consumerfinance.gov
October 27, 2026	Newport Intermediate Inc.	Unexpected or other fees	Closed with explanation	consumerfinance.gov
October 27, 2026	Fiserv Finxact Core	Problem with a purchase or transfer	Closed with explanation	consumerfinance.gov
October 27, 2026	Fiserv Finxact Core	Problem getting a card or closing an account	Closed with explanation	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.