Who is complaining aboutAdvertising and marketing, including promotional offers?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
4,059 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Advertising and marketing, including promotional offers”, up 42% on the 2,864 of the 12 months before; 19,519 since 2017.
100% of them were filed under the product “Credit card”, where the issue makes up 4.4% of that product's complaints.
Company responses on this issue: 72.3% closed with an explanation, 8.8% closed with non-monetary relief, 14.8% closed with monetary relief, and 3.9% still in progress when the file was published. 98.7% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit card | 4,059 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Didn't receive advertised or promotional terms | 2,360 | 58.1% |
| Confusing or misleading advertising about the credit card | 1,699 | 41.9% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| SYNCHRONY FINANCIAL | 589 | 14.5% | $115bn assets | 5.11 |
| JPMORGAN CHASE & CO. | 574 | 14.1% | $4.09tn assets | 0.14 |
| CAPITAL ONE FINANCIAL CORPORATION | 560 | 13.8% | $662bn assets | 0.85 |
| CITIBANK, N.A. | 546 | 13.5% | $1.98tn assets | 0.28 |
| AMERICAN EXPRESS COMPANY | 533 | 13.1% | $214bn assets | 2.49 |
| Bread Financial Holdings, Inc. | 210 | 5.2% | $21bn assets | 9.89 |
| BARCLAYS BANK DELAWARE | 134 | 3.3% | $43bn assets | 3.08 |
| WELLS FARGO & COMPANY | 128 | 3.2% | $1.92tn assets | 0.07 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 127 | 3.1% | $2.65tn assets | 0.05 |
| U.S. BANCORP | 103 | 2.5% | $706bn assets | 0.15 |
| CLGF Holdco 1, LLC | 44 | 1.1% | no public measure | — |
| Bilt Technologies, Inc. | 36 | 0.9% | no public measure | — |
| TD BANK US HOLDING COMPANY | 30 | 0.7% | $375bn assets | 0.08 |
| GOLDMAN SACHS BANK USA | 30 | 0.7% | $759bn assets | 0.04 |
| DISCOVER BANK | 30 | 0.7% | no public measure | — |
| Atlanticus Services Corporation | 28 | 0.7% | no public measure | — |
| Chime Financial Inc | 20 | 0.5% | no public measure | — |
| Credit Karma, LLC | 20 | 0.5% | no public measure | — |
| ROBINHOOD MARKETS INC. | 19 | 0.5% | no public measure | — |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 15 | 0.4% | $106bn assets | 0.14 |
| FIRST NATIONAL BANK OF OMAHA | 14 | 0.3% | $34bn assets | 0.41 |
| PNC Bank N.A. | 14 | 0.3% | $610bn assets | 0.02 |
| EQUIFAX, INC. | 14 | 0.3% | no public measure | — |
| Imprint Payments, Inc. | 13 | 0.3% | no public measure | — |
| NAVY FEDERAL CREDIT UNION | 12 | 0.3% | $204bn assets | 0.06 |
| All other companies, including those not listed by name | 216 | 5.3% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 16 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation2,935 · 72.3%
- Closed with monetary relief599 · 14.8%
- Closed with non-monetary relief359 · 8.8%
- In progress160 · 3.9%
- All other categories6 · 0.1%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 24.6% | 31.6% |
| Closed with monetary relief | 15.4% | 0.5% |
| Responses marked timely | 98.7% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Advertising and marketing, including promotional offers” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Didn't receive advertised or promotional terms”, “Confusing or misleading advertising about the credit card”.
How many complaints carry this issue?
4,059 in the 12 months to 30 Sep 2026 and 19,519 since 2017.
Which products does it apply to?
“Credit card” (100%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.