Who is complaining aboutCredit 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” accounts for 92,291 complaints in the 12 months to 30 Sep 2026, or 1.3% of everything the CFPB received, about level with the 87,813 of the 12 months before.
420 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Problem with a purchase shown on your statement” (32%).
Company responses in the category: 69.9% closed with an explanation, 10.9% closed with non-monetary relief, 15% closed with monetary relief, and 4% still in progress when the file was published. 98.8% were timely.
Tables below list companies by complaint count with their size beside them. Larger companies serve more customers and can be expected to receive more complaints; the per-size table covers only companies with a public asset figure.
Companies with the most complaints, with their size
Ordered by complaint count in the last 12 months. The size column is the public measure this site could match to the company; the last column divides the count by bank or credit union assets where one exists.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 12,940 | 14% | $662bn assets | 19.5 |
| CITIBANK, N.A. | 11,589 | 12.6% | $1.98tn assets | 5.86 |
| SYNCHRONY FINANCIAL | 8,840 | 9.6% | $115bn assets | 76.7 |
| JPMORGAN CHASE & CO. | 6,906 | 7.5% | $4.09tn assets | 1.69 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 5,890 | 6.4% | $2.65tn assets | 2.22 |
| AMERICAN EXPRESS COMPANY | 5,684 | 6.2% | $214bn assets | 26.6 |
| WELLS FARGO & COMPANY | 3,570 | 3.9% | $1.92tn assets | 1.86 |
| Bread Financial Holdings, Inc. | 3,526 | 3.8% | $21bn assets | 166 |
| GOLDMAN SACHS BANK USA | 2,872 | 3.1% | $759bn assets | 3.78 |
| BARCLAYS BANK DELAWARE | 2,749 | 3% | $43bn assets | 63.3 |
| EQUIFAX, INC. | 2,446 | 2.7% | no public measure | — |
| Experian Information Solutions Inc. | 2,375 | 2.6% | no public measure | — |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 2,273 | 2.5% | no public measure | — |
| U.S. BANCORP | 1,893 | 2.1% | $706bn assets | 2.68 |
| DISCOVER BANK | 1,531 | 1.7% | no public measure | — |
| TD BANK US HOLDING COMPANY | 1,399 | 1.5% | $375bn assets | 3.73 |
| NAVY FEDERAL CREDIT UNION | 1,220 | 1.3% | $204bn assets | 5.97 |
| CLGF Holdco 1, LLC | 1,110 | 1.2% | no public measure | — |
| Chime Financial Inc | 1,044 | 1.1% | no public measure | — |
| Atlanticus Services Corporation | 805 | 0.9% | no public measure | — |
| Paypal Holdings, Inc | 565 | 0.6% | no public measure | — |
| ROBINHOOD MARKETS INC. | 538 | 0.6% | no public measure | — |
| Bilt Technologies, Inc. | 538 | 0.6% | no public measure | — |
| Block, Inc. | 500 | 0.5% | no public measure | — |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 443 | 0.5% | $106bn assets | 4.17 |
| Affirm Holdings, Inc | 404 | 0.4% | no public measure | — |
| Avant Holding Company, Inc. | 382 | 0.4% | no public measure | — |
| Self Financial Inc. | 369 | 0.4% | no public measure | — |
| Klarna AB | 337 | 0.4% | no public measure | — |
| Continental Finance Company, LLC | 337 | 0.4% | no public measure | — |
| All other companies, including those not listed by name | 7,216 | 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. 14 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.
Complaints and size, for companies with a public asset figure
Banks, bank holding companies and credit unions with at least $10 billion in assets and at least 50 complaints in this category in 12 months, ordered by complaint count; the last column divides the count by assets. Assets measure the whole institution, not its credit card business, so a lender that specialises in this product will show a higher figure than a diversified one of the same quality, and the figures are not a ranking.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 12,940 | 14% | $662bn assets | 19.5 |
| CITIBANK, N.A. | 11,589 | 12.6% | $1.98tn assets | 5.86 |
| SYNCHRONY FINANCIAL | 8,840 | 9.6% | $115bn assets | 76.7 |
| JPMORGAN CHASE & CO. | 6,906 | 7.5% | $4.09tn assets | 1.69 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 5,890 | 6.4% | $2.65tn assets | 2.22 |
| AMERICAN EXPRESS COMPANY | 5,684 | 6.2% | $214bn assets | 26.6 |
| WELLS FARGO & COMPANY | 3,570 | 3.9% | $1.92tn assets | 1.86 |
| Bread Financial Holdings, Inc. | 3,526 | 3.8% | $21bn assets | 166 |
| GOLDMAN SACHS BANK USA | 2,872 | 3.1% | $759bn assets | 3.78 |
| BARCLAYS BANK DELAWARE | 2,749 | 3% | $43bn assets | 63.3 |
| U.S. BANCORP | 1,893 | 2.1% | $706bn assets | 2.68 |
| TD BANK US HOLDING COMPANY | 1,399 | 1.5% | $375bn assets | 3.73 |
| NAVY FEDERAL CREDIT UNION | 1,220 | 1.3% | $204bn assets | 5.97 |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 443 | 0.5% | $106bn assets | 4.17 |
| FIRST NATIONAL BANK OF OMAHA | 304 | 0.3% | $34bn assets | 8.89 |
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. 15 of the 15 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 statement29,498 · 32%
- Getting a credit card10,615 · 11.5%
- Fees or interest9,489 · 10.3%
- Incorrect information on your report7,949 · 8.6%
- Closing your account6,377 · 6.9%
- All other categories28,363 · 30.7%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 29,498 | 32% |
| Getting a credit card | 10,615 | 11.5% |
| Other features, terms, or problems | 10,415 | 11.3% |
| Fees or interest | 9,489 | 10.3% |
| Incorrect information on your report | 7,949 | 8.6% |
| Closing your account | 6,377 | 6.9% |
| Problem when making payments | 4,653 | 5% |
| Advertising and marketing, including promotional offers | 4,059 | 4.4% |
| Trouble using your card | 3,621 | 3.9% |
| Problem with a company's investigation into an existing problem | 3,351 | 3.6% |
| Struggling to pay your bill | 1,334 | 1.4% |
| Improper use of your report | 601 | 0.7% |
| Credit monitoring or identity theft protection services | 187 | 0.2% |
| Problem with fraud alerts or security freezes | 97 | 0.1% |
| Unable to get your credit report or credit score | 45 | <0.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| General-purpose credit card or charge card | 81,230 | 88% |
| Store credit card | 11,061 | 12% |
How companies responded
- Closed with explanation64,490 · 69.9%
- Closed with monetary relief13,828 · 15%
- Closed with non-monetary relief10,042 · 10.9%
- In progress3,647 · 4%
- All other categories284 · 0.3%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 26.9% | 31.6% |
| Closed with monetary relief | 15.6% | 0.5% |
| Responses marked timely | 98.8% | 99.6% |
| Complaints tagged servicemember | 8.8% | 1.5% |
| Complaints tagged older American | 9.2% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| District of Columbia | 335 | 48.3 |
| Florida | 9,669 | 41.2 |
| Delaware | 404 | 38.1 |
| New Jersey | 3,633 | 38.0 |
| New York | 7,449 | 37.2 |
| Nevada | 1,209 | 36.8 |
| California | 14,491 | 36.8 |
| Georgia | 3,535 | 31.3 |
| Virginia | 2,719 | 30.6 |
| Maryland | 1,815 | 29.0 |
| Texas | 9,022 | 28.5 |
| Illinois | 3,502 | 27.5 |
| Connecticut | 979 | 26.5 |
| Massachusetts | 1,894 | 26.5 |
| Washington | 2,112 | 26.4 |
The 15 states with the highest rate; national rate 27.0. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Credit card complaints does the CFPB receive?
92,291 in the 12 months to 30 Sep 2026, against 87,813 in the 12 months before, and 347,182 since 2011.
Which companies receive the most complaints in this category?
By count, CAPITAL ONE FINANCIAL CORPORATION (12,940), CITIBANK, N.A. (11,589), SYNCHRONY FINANCIAL (8,840) in the last 12 months. 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” (32%), “Getting a credit card” (11.5%), “Other features, terms, or problems” (11.3%), “Fees or interest” (10.3%).
How do companies respond?
Across the category: 69.9% closed with an explanation, 10.9% closed with non-monetary relief, 15% closed with monetary relief, and 4% still in progress when the file was published. 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 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.