Who is complaining aboutProblem with overdraft?
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.
30 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Problem with overdraft”, up 50% on the 20 of the 12 months before; 173 since 2017.
100% of them were filed under the product “Prepaid card”, where the issue makes up 0.5% of that product's complaints.
Company responses on this issue: 93.3% closed with an explanation, 0% closed with non-monetary relief, 6.7% closed with monetary relief. 100% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Prepaid card | 30 | 100% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Overdraft charges | 26 | 86.7% |
| Was signed up for overdraft on card, but don't want to be | 4 | 13.3% |
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. | 9 | 30% | no public measure | — |
| Chime Financial Inc | 4 | 13.3% | no public measure | — |
| Comerica | 3 | 10% | no public measure | — |
| Branch Messenger, Inc. | 3 | 10% | no public measure | — |
| Netspend Corporation | 2 | 6.7% | no public measure | — |
| U.S. BANCORP | 2 | 6.7% | $706bn assets | 0.00 |
| JPMORGAN CHASE & CO. | 1 | 3.3% | $4.09tn assets | 0.00 |
| WELLS FARGO & COMPANY | 1 | 3.3% | $1.92tn assets | 0.00 |
| FinCo Services Inc DBA Current | 1 | 3.3% | no public measure | — |
| Paypal Holdings, Inc | 1 | 3.3% | no public measure | — |
| SYNCHRONY FINANCIAL | 1 | 3.3% | $115bn assets | 0.01 |
| FIFTH THIRD FINANCIAL CORPORATION | 1 | 3.3% | $299bn assets | 0.00 |
| All other companies, including those not listed by name | 1 | 3.3% | — | — |
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. 5 of the 12 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 explanation28 · 93.3%
- Closed with monetary relief2 · 6.7%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 6.7% | 31.6% |
| Closed with monetary relief | 6.7% | 0.5% |
| Responses marked timely | 100% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Problem with overdraft” 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 “Overdraft charges”, “Was signed up for overdraft on card, but don't want to be”.
How many complaints carry this issue?
30 in the 12 months to 30 Sep 2026 and 173 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 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.