Who is complaining aboutCredit card or prepaid card?
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.
“Credit card or prepaid card” is a product label the CFPB no longer uses for new complaints. The database holds 206,356 complaints under it, received between 24 Apr 2017 and 25 Aug 2023; later complaints of this kind are filed under a newer label.
The figures on this page cover every year the label was in use. Company responses: 70.6% closed with an explanation, 12% closed with non-monetary relief, 17.3% closed with monetary relief.
Companies with the most complaints, with their size
Ordered by complaint count since 2011. The size column is the public measure this site could match to the company.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 26,578 | 12.9% | $662bn assets |
| CITIBANK, N.A. | 25,033 | 12.1% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 18,357 | 8.9% | $4.09tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 16,809 | 8.1% | $2.65tn assets |
| SYNCHRONY FINANCIAL | 16,202 | 7.9% | $115bn assets |
| AMERICAN EXPRESS COMPANY | 13,942 | 6.8% | $214bn assets |
| Bread Financial Holdings, Inc. | 11,608 | 5.6% | $21bn assets |
| DISCOVER BANK | 8,396 | 4.1% | no public measure |
| BARCLAYS BANK DELAWARE | 7,599 | 3.7% | $43bn assets |
| U.S. BANCORP | 6,944 | 3.4% | $706bn assets |
| WELLS FARGO & COMPANY | 6,854 | 3.3% | $1.92tn assets |
| TD BANK US HOLDING COMPANY | 3,784 | 1.8% | $375bn assets |
| Comerica | 2,859 | 1.4% | no public measure |
| GOLDMAN SACHS BANK USA | 2,704 | 1.3% | $759bn assets |
| Netspend Corporation | 2,373 | 1.1% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2,086 | 1% | no public measure |
| EQUIFAX, INC. | 1,951 | 0.9% | no public measure |
| Experian Information Solutions Inc. | 1,910 | 0.9% | no public measure |
| NAVY FEDERAL CREDIT UNION | 1,870 | 0.9% | $204bn assets |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 1,803 | 0.9% | $106bn assets |
| Conduent Incorporated | 1,440 | 0.7% | no public measure |
| Block, Inc. | 1,268 | 0.6% | no public measure |
| CLGF Holdco 1, LLC | 1,110 | 0.5% | no public measure |
| Incomm Holdings Inc. | 1,062 | 0.5% | no public measure |
| PNC Bank N.A. | 1,043 | 0.5% | $610bn assets |
| Paypal Holdings, Inc | 1,008 | 0.5% | no public measure |
| Chime Financial Inc | 966 | 0.5% | no public measure |
| Atlanticus Services Corporation | 936 | 0.5% | no public measure |
| FIRST NATIONAL BANK OF OMAHA | 931 | 0.5% | $34bn assets |
| HSBC NORTH AMERICA HOLDINGS INC. | 858 | 0.4% | $173bn assets |
| All other companies, including those not listed by name | 16,072 | 7.8% | — |
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. 17 of the 30 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.
Issues
- Problem with a purchase shown on your statement51,085 · 24.8%
- Getting a credit card23,206 · 11.2%
- Fees or interest20,413 · 9.9%
- Problem when making payments17,741 · 8.6%
- Closing your account13,918 · 6.7%
- All other categories79,993 · 38.8%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 51,085 | 24.8% |
| Getting a credit card | 23,206 | 11.2% |
| Other features, terms, or problems | 22,428 | 10.9% |
| Fees or interest | 20,413 | 9.9% |
| Problem when making payments | 17,741 | 8.6% |
| Closing your account | 13,918 | 6.7% |
| Advertising and marketing, including promotional offers | 9,706 | 4.7% |
| Trouble using your card | 7,877 | 3.8% |
| Incorrect information on your report | 7,451 | 3.6% |
| Problem with a credit reporting company's investigation into an existing problem | 7,231 | 3.5% |
| Problem with a purchase or transfer | 6,285 | 3% |
| Trouble using the card | 5,392 | 2.6% |
| Problem getting a card or closing an account | 4,546 | 2.2% |
| Struggling to pay your bill | 3,700 | 1.8% |
| Unexpected or other fees | 2,883 | 1.4% |
| Other CFPB issue categories | 2,494 | 1.2% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| General-purpose credit card or charge card | 158,877 | 77% |
| Store credit card | 27,909 | 13.5% |
| Government benefit card | 9,067 | 4.4% |
| General-purpose prepaid card | 8,530 | 4.1% |
| Gift card | 1,021 | 0.5% |
| Payroll card | 917 | 0.4% |
| Student prepaid card | 32 | <0.1% |
| No sub-product recorded or other | 3 | <0.1% |
How companies responded
- Closed with explanation145,713 · 70.6%
- Closed with monetary relief35,719 · 17.3%
- Closed with non-monetary relief24,800 · 12%
- Untimely response124 · 0.1%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 29.3% | 31.5% |
| Closed with monetary relief | 17.3% | 0.5% |
| Responses marked timely | 98.8% | 99.6% |
National trend
Questions and answers
How many Credit card or prepaid card complaints does the CFPB receive?
206,356 were filed under this label between 24 Apr 2017 and 25 Aug 2023. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, CAPITAL ONE FINANCIAL CORPORATION (26,578), CITIBANK, N.A. (25,033), JPMORGAN CHASE & CO. (18,357) across all years. Counts follow company size: “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.”
What are the complaints about?
The issues selected most often: “Problem with a purchase shown on your statement” (24.8%), “Getting a credit card” (11.2%), “Other features, terms, or problems” (10.9%), “Fees or interest” (9.9%).
How do companies respond?
Across the category: 70.6% closed with an explanation, 12% closed with non-monetary relief, 17.3% closed with monetary relief. 98.8% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside it.
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.