Who was complaining inDecember 2012?
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.
The CFPB complaint database holds 6,238 complaints received in December 2012, up 2% on the month before (6,139) and up 146% on the same month a year earlier (2,536).
“Mortgage” was the largest category with 3,177 complaints (50.9%). Responses recorded for the month: 76.1% closed with an explanation, 9.3% closed with non-monetary relief, 11.1% closed with monetary relief.
By product
- Mortgage3,177 · 50.9%
- Credit card1,032 · 16.5%
- Bank account or service914 · 14.7%
- Credit reporting731 · 11.7%
- Consumer Loan197 · 3.2%
- All other categories187 · 3%
| Product (CFPB label) | Complaints | Share | Same month a year earlier |
|---|---|---|---|
| Mortgage | 3,177 | 50.9% | 1,276 |
| Credit card | 1,032 | 16.5% | 1,260 |
| Bank account or service | 914 | 14.7% | 0 |
| Credit reporting | 731 | 11.7% | 0 |
| Consumer Loan | 197 | 3.2% | 0 |
| Student loan | 187 | 3% | 0 |
Companies with the most complaints in the month, with their size
| Company (as named by the CFPB) | Complaints, Dec 2012 | Share | Company size |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 1,116 | 17.9% | $2.65tn assets |
| WELLS FARGO & COMPANY | 796 | 12.8% | $1.92tn assets |
| JPMORGAN CHASE & CO. | 547 | 8.8% | $4.09tn assets |
| CITIBANK, N.A. | 411 | 6.6% | $1.98tn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 279 | 4.5% | $662bn assets |
| Experian Information Solutions Inc. | 278 | 4.5% | no public measure |
| Ocwen Financial Corporation | 277 | 4.4% | no public measure |
| EQUIFAX, INC. | 230 | 3.7% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 203 | 3.3% | no public measure |
| PNC Bank N.A. | 139 | 2.2% | $610bn assets |
| U.S. BANCORP | 127 | 2% | $706bn assets |
| NATIONSTAR MORTGAGE LLC | 125 | 2% | 152,781 HMDA records |
| SYNCHRONY FINANCIAL | 111 | 1.8% | $115bn assets |
| HSBC NORTH AMERICA HOLDINGS INC. | 98 | 1.6% | $173bn assets |
| Ditech Financial LLC | 75 | 1.2% | no public measure |
| AMERICAN EXPRESS COMPANY | 74 | 1.2% | $214bn assets |
| DISCOVER BANK | 69 | 1.1% | no public measure |
| Navient Solutions, LLC. | 68 | 1.1% | no public measure |
| TD BANK US HOLDING COMPANY | 67 | 1.1% | $375bn assets |
| SUNTRUST BANKS, INC. | 64 | 1% | no public measure |
| All other companies, including those not listed by name | 1,084 | 17.4% | — |
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. 12 of the 20 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 explanation4,748 · 76.1%
- Closed with monetary relief691 · 11.1%
- Closed with non-monetary relief580 · 9.3%
- Closed218 · 3.5%
- All other categories1 · <0.1%
By state
| State | Complaints | Per 100,000 residents | Month report |
|---|---|---|---|
| California | 1,016 | 2.60 | — |
| Florida | 575 | 2.50 | — |
| New York | 499 | 2.50 | — |
| Texas | 344 | 1.10 | — |
| New Jersey | 277 | 2.90 | — |
| Georgia | 260 | 2.30 | — |
| Illinois | 229 | 1.80 | — |
| Pennsylvania | 221 | 1.70 | — |
| Maryland | 211 | 3.40 | — |
| Virginia | 202 | 2.30 | — |
| Michigan | 187 | 1.80 | — |
| North Carolina | 170 | 1.50 | — |
| Massachusetts | 168 | 2.30 | — |
| Ohio | 162 | 1.40 | — |
| Arizona | 142 | 1.90 | — |
| Washington | 123 | 1.50 | — |
| Colorado | 112 | 1.90 | — |
| Connecticut | 91 | 2.50 | — |
| Oregon | 88 | 2.10 | — |
| Tennessee | 82 | 1.10 | — |
The 20 states with the most complaints in the month. Counts follow population.
Questions and answers
How many complaints did the CFPB receive in December 2012?
6,238. The same month a year earlier: 2,536.
Which product categories drew the most complaints?
“Mortgage” (3,177), “Credit card” (1,032), “Bank account or service” (914), “Credit reporting” (731).
Can the month still change?
Yes. A complaint appears in the public file once the company responds or after 15 days, and the CFPB updates the file daily, so counts for recent months rise for a few weeks and response categories move from “In progress” to a closing category.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it.
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.