Who is complaining aboutProblem with a purchase shown on your statement?
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.
29,498 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Problem with a purchase shown on your statement”, up 67% on the 17,629 of the 12 months before; 113,665 since 2017.
100% of them were filed under the product “Credit card”, where the issue makes up 32% of that product's complaints.
Company responses on this issue: 68.3% closed with an explanation, 3.4% closed with non-monetary relief, 23.8% closed with monetary relief, and 4.3% still in progress when the file was published. 98.9% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Credit card | 29,498 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Credit card company isn't resolving a dispute about a purchase on your statement | 23,028 | 78.1% |
| Card was charged for something you did not purchase with the card | 5,769 | 19.6% |
| Overcharged for something you did purchase with the card | 701 | 2.4% |
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 |
|---|---|---|---|---|
| CITIBANK, N.A. | 4,474 | 15.2% | $1.98tn assets | 2.26 |
| CAPITAL ONE FINANCIAL CORPORATION | 4,037 | 13.7% | $662bn assets | 6.10 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 2,699 | 9.1% | $2.65tn assets | 1.02 |
| SYNCHRONY FINANCIAL | 2,312 | 7.8% | $115bn assets | 20.1 |
| JPMORGAN CHASE & CO. | 2,288 | 7.8% | $4.09tn assets | 0.56 |
| AMERICAN EXPRESS COMPANY | 1,980 | 6.7% | $214bn assets | 9.25 |
| GOLDMAN SACHS BANK USA | 1,851 | 6.3% | $759bn assets | 2.44 |
| WELLS FARGO & COMPANY | 1,336 | 4.5% | $1.92tn assets | 0.70 |
| BARCLAYS BANK DELAWARE | 996 | 3.4% | $43bn assets | 22.9 |
| DISCOVER BANK | 718 | 2.4% | no public measure | — |
| Chime Financial Inc | 680 | 2.3% | no public measure | — |
| Bread Financial Holdings, Inc. | 556 | 1.9% | $21bn assets | 26.2 |
| U.S. BANCORP | 523 | 1.8% | $706bn assets | 0.74 |
| NAVY FEDERAL CREDIT UNION | 511 | 1.7% | $204bn assets | 2.50 |
| TD BANK US HOLDING COMPANY | 410 | 1.4% | $375bn assets | 1.09 |
| Paypal Holdings, Inc | 398 | 1.3% | no public measure | — |
| Block, Inc. | 288 | 1% | no public measure | — |
| ROBINHOOD MARKETS INC. | 278 | 0.9% | no public measure | — |
| Klarna AB | 264 | 0.9% | no public measure | — |
| Affirm Holdings, Inc | 220 | 0.7% | no public measure | — |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 174 | 0.6% | $106bn assets | 1.64 |
| Atlanticus Services Corporation | 159 | 0.5% | no public measure | — |
| CLGF Holdco 1, LLC | 148 | 0.5% | no public measure | — |
| Bilt Technologies, Inc. | 129 | 0.4% | no public measure | — |
| FinCo Services Inc DBA Current | 92 | 0.3% | no public measure | — |
| All other companies, including those not listed by name | 1,977 | 6.7% | — | — |
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. 14 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 explanation20,157 · 68.3%
- Closed with monetary relief7,009 · 23.8%
- In progress1,281 · 4.3%
- Closed with non-monetary relief993 · 3.4%
- All other categories58 · 0.2%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 28.4% | 31.6% |
| Closed with monetary relief | 24.8% | 0.5% |
| Responses marked timely | 98.9% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Problem with a purchase shown on your statement” 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 “Credit card company isn't resolving a dispute about a purchase on your statement”, “Card was charged for something you did not purchase with the card”, “Overcharged for something you did purchase with the card”.
How many complaints carry this issue?
29,498 in the 12 months to 30 Sep 2026 and 113,665 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.