Who is complaining aboutProblem with a purchase or transfer?
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.
2,179 complaints in the 12 months to 1 Oct 2026 carry the CFPB issue label “Problem with a purchase or transfer”, up 27% on the 1,716 of the 12 months before; 11,929 since 2017.
100% of them were filed under the product “Prepaid card”, where the issue makes up 35.7% of that product's complaints.
Company responses on this issue: 82.6% closed with an explanation, 2.8% closed with non-monetary relief, 10.6% closed with monetary relief, and 3.2% still in progress when the file was published. 95.2% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Prepaid card | 2,179 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Card company isn't resolving a dispute about a purchase or transfer | 1,513 | 69.4% |
| Charged for a purchase or transfer you did not make with the card | 621 | 28.5% |
| Overcharged for a purchase or transfer you did make with the card | 45 | 2.1% |
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 |
|---|---|---|---|---|
| Block, Inc. | 514 | 23.6% | no public measure | — |
| Comerica | 268 | 12.3% | no public measure | — |
| Incomm Holdings Inc. | 132 | 6.1% | no public measure | — |
| Netspend Corporation | 125 | 5.7% | no public measure | — |
| Chime Financial Inc | 123 | 5.6% | no public measure | — |
| Paypal Holdings, Inc | 114 | 5.2% | no public measure | — |
| Conduent Incorporated | 106 | 4.9% | no public measure | — |
| FISERV FINXACT CORE | 106 | 4.9% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 85 | 3.9% | $2.65tn assets | 0.03 |
| AMERICAN EXPRESS COMPANY | 83 | 3.8% | $214bn assets | 0.39 |
| FIFTH THIRD FINANCIAL CORPORATION | 64 | 2.9% | $299bn assets | 0.21 |
| Blackhawk Network Holdings Inc. | 60 | 2.8% | no public measure | — |
| U.S. BANCORP | 54 | 2.5% | $706bn assets | 0.08 |
| ADP Inc. | 50 | 2.3% | no public measure | — |
| Branch Messenger, Inc. | 35 | 1.6% | no public measure | — |
| Newport Intermediate Inc. | 24 | 1.1% | no public measure | — |
| FinCo Services Inc DBA Current | 21 | 1% | no public measure | — |
| REGIONS FINANCIAL CORPORATION | 18 | 0.8% | $160bn assets | 0.11 |
| Klarna AB | 15 | 0.7% | no public measure | — |
| DailyPay, Inc | 14 | 0.6% | no public measure | — |
| Foris DAX, Inc. | 14 | 0.6% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 12 | 0.6% | $662bn assets | 0.02 |
| Affirm Holdings, Inc | 9 | 0.4% | no public measure | — |
| Payfare International Inc. | 8 | 0.4% | no public measure | — |
| JPMORGAN CHASE & CO. | 8 | 0.4% | $4.09tn assets | 0.00 |
| All other companies, including those not listed by name | 117 | 5.4% | — | — |
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. 7 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 explanation1,800 · 82.6%
- Closed with monetary relief230 · 10.6%
- In progress69 · 3.2%
- Closed with non-monetary relief61 · 2.8%
- All other categories19 · 0.9%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 13.8% | 31.5% |
| Closed with monetary relief | 10.9% | 0.5% |
| Responses marked timely | 95.2% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Problem with a purchase or transfer” 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 “Card company isn't resolving a dispute about a purchase or transfer”, “Charged for a purchase or transfer you did not make with the card”, “Overcharged for a purchase or transfer you did make with the card”.
How many complaints carry this issue?
2,179 in the 12 months to 1 Oct 2026 and 11,929 since 2017.
Which products does it apply to?
“Prepaid 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.