Issues › Credit reporting, credit repair services, or other personal consumer reports
Who is complaining aboutExcessive fees?
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.
“Excessive fees” is an issue label the CFPB no longer offers on its complaint form. 331 complaints carry it, received between 25 Aug 2014 and 22 Aug 2023.
Most were filed under the product “Credit reporting, credit repair services, or other personal consumer reports” (70.1%).
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit reporting, credit repair services, or other personal consumer reports | 232 | 70.1% |
| Other financial service | 99 | 29.9% |
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 |
|---|---|---|---|
| FREEDOM FINANCIAL NETWORK | 29 | 8.8% | no public measure |
| GLOBAL CLIENT SOLUTIONS, LLC | 24 | 7.3% | no public measure |
| Experian Information Solutions Inc. | 19 | 5.7% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 10 | 3% | $662bn assets |
| WELLS FARGO & COMPANY | 9 | 2.7% | $1.92tn assets |
| EQUIFAX, INC. | 8 | 2.4% | no public measure |
| MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC | 7 | 2.1% | no public measure |
| Securus J Holdings, LLC | 7 | 2.1% | no public measure |
| JPMORGAN CHASE & CO. | 6 | 1.8% | $4.09tn assets |
| Consumer Financial Services Solutions, Inc. | 6 | 1.8% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 6 | 1.8% | $2.65tn assets |
| CITIBANK, N.A. | 6 | 1.8% | $1.98tn assets |
| TD BANK US HOLDING COMPANY | 5 | 1.5% | $375bn assets |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 4 | 1.2% | no public measure |
| Americor Funding, LLC | 4 | 1.2% | no public measure |
| Bread Financial Holdings, Inc. | 3 | 0.9% | $21bn assets |
| Self Financial Inc. | 3 | 0.9% | no public measure |
| U.S. BANCORP | 3 | 0.9% | $706bn assets |
| NAVY FEDERAL CREDIT UNION | 3 | 0.9% | $204bn assets |
| ClearOne Advantage, LLC | 3 | 0.9% | no public measure |
| I.C. System, Inc. | 2 | 0.6% | no public measure |
| LOBEL FINANCIAL CORPORATION | 2 | 0.6% | no public measure |
| Global Tel*Link Corporation | 2 | 0.6% | no public measure |
| ALLY FINANCIAL INC. | 2 | 0.6% | $188bn assets |
| First Data Corporation | 2 | 0.6% | no public measure |
| All other companies, including those not listed by name | 156 | 47.1% | — |
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. 10 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 explanation255 · 77%
- Closed with monetary relief48 · 14.5%
- Closed with non-monetary relief14 · 4.2%
- Closed8 · 2.4%
- All other categories6 · 1.8%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 18.7% | 31.6% |
| Closed with monetary relief | 14.5% | 0.5% |
| Responses marked timely | 90.6% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Excessive fees” 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?
331, all received before 22 Aug 2023; the label is no longer offered.
Which products does it apply to?
“Credit reporting, credit repair services, or other personal consumer reports” (70.1%), “Other financial service” (29.9%).
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.