Who is complaining aboutDelinquent account?

CFPB issue labelNo longer offered, last used 22 Apr 2017

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.

“Delinquent account” is an issue label the CFPB no longer offers on its complaint form. 3,218 complaints carry it, received between 2 Dec 2011 and 22 Apr 2017.

Most were filed under the product “Credit card” (100%).

0complaints, last 90 days— vs prior 90 days

0complaints, last 365 days— vs prior 365 days

3,218complaints, all yearssince 2011

30.2%closed with reliefall issues 31.5%

Which products

Product (CFPB label)	Complaints	Share
Credit card	3,218	100%

Which companies, with their size

Ordered by the number of complaints carrying this issue since 2011.

Company (as named by the CFPB)	Complaints, all years	Share	Company size
CAPITAL ONE FINANCIAL CORPORATION	605	18.8%	$662bn assets
CITIBANK, N.A.	592	18.4%	$1.98tn assets
SYNCHRONY FINANCIAL	346	10.8%	$115bn assets
BANK OF AMERICA, NATIONAL ASSOCIATION	301	9.4%	$2.65tn assets
JPMORGAN CHASE & CO.	281	8.7%	$4.09tn assets
DISCOVER BANK	174	5.4%	no public measure
AMERICAN EXPRESS COMPANY	146	4.5%	$214bn assets
WELLS FARGO & COMPANY	94	2.9%	$1.92tn assets
U.S. BANCORP	78	2.4%	$706bn assets
BARCLAYS BANK DELAWARE	74	2.3%	$43bn assets
TD BANK US HOLDING COMPANY	56	1.7%	$375bn assets
UNITED SERVICES AUTOMOBILE ASSOCIATION	40	1.2%	$106bn assets
HSBC NORTH AMERICA HOLDINGS INC.	39	1.2%	$173bn assets
Bread Financial Holdings, Inc.	26	0.8%	$21bn assets
ENCORE CAPITAL GROUP INC.	23	0.7%	no public measure
NAVY FEDERAL CREDIT UNION	21	0.7%	$204bn assets
Continental Finance Company, LLC	20	0.6%	no public measure
Army and Air Force Exchange Service	18	0.6%	no public measure
STERLING JEWELERS, INC.	17	0.5%	no public measure
FIRST NATIONAL BANK OF OMAHA	16	0.5%	$34bn assets
FIFTH THIRD FINANCIAL CORPORATION	16	0.5%	$299bn assets
Portfolio Recovery Associates, LLC	13	0.4%	no public measure
Resurgent Capital Services L.P.	9	0.3%	no public measure
Atlanticus Services Corporation	9	0.3%	no public measure
PNC Bank N.A.	9	0.3%	$610bn assets
All other companies, including those not listed by name	195	6.1%	—

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. 17 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 explanation2,170 · 67.4%
Closed with non-monetary relief541 · 16.8%
Closed with monetary relief411 · 12.8%
Closed without relief48 · 1.5%
All other categories48 · 1.5%

Measure	This issue	All issues
Closed with monetary or non-monetary relief	30.2%	31.5%
Closed with monetary relief	12.8%	0.5%
Responses marked timely	99.2%	99.6%

Trend

Complaints with the issue “Delinquent account” in each of the last 24 months. Peak month in view: 1.

Complaints per calendar year. The CFPB revised its issue list in 2017 and again later, so many labels start or stop part-way through the record.

Questions and answers

What does the CFPB issue “Delinquent account” 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.

How many complaints carry this issue?

3,218, all received before 22 Apr 2017; the label is no longer offered.

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 1 Oct 2026, complaints received through 1 Oct 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.