Who is complaining aboutPrepaid 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.
“Prepaid card” accounts for 6,108 complaints in the 12 months to 30 Sep 2026, or 0.1% of everything the CFPB received, about level with the 6,521 of the 12 months before.
108 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Problem with a purchase or transfer” (35.6%).
Company responses in the category: 78.3% closed with an explanation, 7.4% closed with non-monetary relief, 11.1% closed with monetary relief, and 2.3% still in progress when the file was published. 94.3% 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 |
|---|---|---|---|---|
| Block, Inc. | 906 | 14.8% | no public measure | — |
| Comerica | 868 | 14.2% | no public measure | — |
| AMERICAN EXPRESS COMPANY | 622 | 10.2% | $214bn assets | 2.91 |
| Incomm Holdings Inc. | 606 | 9.9% | no public measure | — |
| Netspend Corporation | 365 | 6% | no public measure | — |
| Conduent Incorporated | 329 | 5.4% | no public measure | — |
| U.S. BANCORP | 254 | 4.2% | $706bn assets | 0.36 |
| Blackhawk Network Holdings Inc. | 244 | 4% | no public measure | — |
| FISERV FINXACT CORE | 241 | 3.9% | no public measure | — |
| Chime Financial Inc | 208 | 3.4% | no public measure | — |
| Paypal Holdings, Inc | 207 | 3.4% | no public measure | — |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 203 | 3.3% | $2.65tn assets | 0.08 |
| FIFTH THIRD FINANCIAL CORPORATION | 148 | 2.4% | $299bn assets | 0.49 |
| ADP Inc. | 98 | 1.6% | no public measure | — |
| Newport Intermediate Inc. | 69 | 1.1% | no public measure | — |
| Branch Messenger, Inc. | 52 | 0.9% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 46 | 0.8% | $662bn assets | 0.07 |
| KEYCORP | 44 | 0.7% | $189bn assets | 0.23 |
| REGIONS FINANCIAL CORPORATION | 36 | 0.6% | $160bn assets | 0.23 |
| FinCo Services Inc DBA Current | 36 | 0.6% | no public measure | — |
| DailyPay, Inc | 30 | 0.5% | no public measure | — |
| CITIBANK, N.A. | 27 | 0.4% | $1.98tn assets | 0.01 |
| Google Compare Credit Cards Inc. | 26 | 0.4% | no public measure | — |
| Klarna AB | 23 | 0.4% | no public measure | — |
| JPMORGAN CHASE & CO. | 20 | 0.3% | $4.09tn assets | 0.00 |
| Foris DAX, Inc. | 20 | 0.3% | no public measure | — |
| OPTUM BANK, INC. | 16 | 0.3% | $21bn assets | 0.75 |
| SYNCHRONY FINANCIAL | 15 | 0.2% | $115bn assets | 0.13 |
| EQUIFAX, INC. | 15 | 0.2% | no public measure | — |
| Payactiv, Inc. | 14 | 0.2% | no public measure | — |
| All other companies, including those not listed by name | 320 | 5.2% | — | — |
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. 11 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 or transfer2,176 · 35.6%
- Trouble using the card2,063 · 33.8%
- Problem getting a card or closing an account1,055 · 17.3%
- Unexpected or other fees712 · 11.7%
- Advertising72 · 1.2%
- All other categories30 · 0.5%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Problem with a purchase or transfer | 2,176 | 35.6% |
| Trouble using the card | 2,063 | 33.8% |
| Problem getting a card or closing an account | 1,055 | 17.3% |
| Unexpected or other fees | 712 | 11.7% |
| Advertising | 72 | 1.2% |
| Problem with overdraft | 30 | 0.5% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| General-purpose prepaid card | 3,184 | 52.1% |
| Government benefit card | 1,915 | 31.4% |
| Gift card | 614 | 10.1% |
| Payroll card | 390 | 6.4% |
| Student prepaid card | 5 | 0.1% |
How companies responded
- Closed with explanation4,782 · 78.3%
- Closed with monetary relief676 · 11.1%
- Closed with non-monetary relief454 · 7.4%
- In progress139 · 2.3%
- All other categories57 · 0.9%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 18.9% | 31.6% |
| Closed with monetary relief | 11.3% | 0.5% |
| Responses marked timely | 94.3% | 99.6% |
| Complaints tagged servicemember | 7.9% | 1.5% |
| Complaints tagged older American | 8.9% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| District of Columbia | 30 | 4.30 |
| Mississippi | 85 | 2.90 |
| Nevada | 84 | 2.60 |
| California | 1,014 | 2.60 |
| New Jersey | 222 | 2.30 |
| Georgia | 247 | 2.20 |
| New York | 443 | 2.20 |
| Arkansas | 65 | 2.10 |
| Oklahoma | 86 | 2.10 |
| Arizona | 151 | 2.00 |
| Alabama | 106 | 2.00 |
| Tennessee | 148 | 2.00 |
| Michigan | 197 | 1.90 |
| Delaware | 20 | 1.90 |
| Missouri | 111 | 1.80 |
The 15 states with the highest rate; national rate 1.80. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Prepaid card complaints does the CFPB receive?
6,108 in the 12 months to 30 Sep 2026, against 6,521 in the 12 months before, and 23,408 since 2014.
Which companies receive the most complaints in this category?
By count, Block, Inc. (906), Comerica (868), AMERICAN EXPRESS COMPANY (622) 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 or transfer” (35.6%), “Trouble using the card” (33.8%), “Problem getting a card or closing an account” (17.3%), “Unexpected or other fees” (11.7%).
How do companies respond?
Across the category: 78.3% closed with an explanation, 7.4% closed with non-monetary relief, 11.1% closed with monetary relief, and 2.3% still in progress when the file was published. 94.3% 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.