States › Kentucky › Credit card
Who in Kentucky 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.
Kentucky consumers filed 598 complaints under “Credit card” in the 12 months to 1 Oct 2026, up 23% on the 485 of the 12 months before. That is 13.0 per 100,000 residents, below the national 27.0.
The category makes up 2.3% of the state's complaints, against 1.3% nationally. 23.8% of closed complaints ended with monetary or non-monetary relief (26.9% nationally) and 98.5% of responses were timely.
Companies with the most Credit card complaints from Kentucky, with their size
Ordered by complaints from Kentucky consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from KY, 12 months | Share | Company size |
|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 98 | 16.4% | $662bn assets |
| SYNCHRONY FINANCIAL | 94 | 15.7% | $115bn assets |
| CITIBANK, N.A. | 72 | 12% | $1.98tn assets |
| JPMORGAN CHASE & CO. | 45 | 7.5% | $4.09tn assets |
| AMERICAN EXPRESS COMPANY | 32 | 5.4% | $214bn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 26 | 4.3% | $2.65tn assets |
| Bread Financial Holdings, Inc. | 23 | 3.8% | $21bn assets |
| U.S. BANCORP | 20 | 3.3% | $706bn assets |
| DISCOVER BANK | 14 | 2.3% | no public measure |
| WELLS FARGO & COMPANY | 14 | 2.3% | $1.92tn assets |
| BARCLAYS BANK DELAWARE | 13 | 2.2% | $43bn assets |
| Chime Financial Inc | 12 | 2% | no public measure |
| CLGF Holdco 1, LLC | 8 | 1.3% | no public measure |
| GOLDMAN SACHS BANK USA | 8 | 1.3% | $759bn assets |
| Atlanticus Services Corporation | 7 | 1.2% | no public measure |
| Imprint Payments, Inc. | 7 | 1.2% | no public measure |
| FIFTH THIRD FINANCIAL CORPORATION | 6 | 1% | $299bn assets |
| Experian Information Solutions Inc. | 6 | 1% | no public measure |
| EQUIFAX, INC. | 6 | 1% | no public measure |
| Paypal Holdings, Inc | 6 | 1% | no public measure |
| All other companies, including those not listed by name | 81 | 13.5% | — |
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.
Issues
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Problem with a purchase shown on your statement | 214 | 35.8% |
| Getting a credit card | 72 | 12% |
| Other features, terms, or problems | 64 | 10.7% |
| Fees or interest | 61 | 10.2% |
| Problem when making payments | 47 | 7.9% |
| Closing your account | 45 | 7.5% |
| Incorrect information on your report | 34 | 5.7% |
| Trouble using your card | 18 | 3% |
| Advertising and marketing, including promotional offers | 13 | 2.2% |
| Struggling to pay your bill | 13 | 2.2% |
| Other CFPB issue categories | 17 | 2.8% |
How companies responded
- Closed with explanation432 · 72.2%
- Closed with monetary relief81 · 13.5%
- Closed with non-monetary relief55 · 9.2%
- In progress26 · 4.3%
- All other categories4 · 0.7%
| Measure | Kentucky, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 13.0 | 27.0 |
| Closed with monetary or non-monetary relief | 23.8% | 26.9% |
| Responses marked timely | 98.5% | 98.8% |
Trend
Other products in Kentucky
Credit reporting or other personal consumer reports · 22,327Debt collection · 1,609Checking or savings account · 654Money transfer, virtual currency, or money service · 311Mortgage · 262Vehicle loan or lease · 198Payday loan, title loan, personal loan, or advance loan · 178Student loan · 171
Questions and answers
How many Credit card complaints come from Kentucky?
598 in the 12 months to 1 Oct 2026, 485 in the 12 months before and 2,031 since 2011.
Is that high for the population?
13.0 per 100,000 residents in Kentucky against 27.0 nationally.
Which issues come up most?
“Problem with a purchase shown on your statement” (35.8%), “Getting a credit card” (12%), “Other features, terms, or problems” (10.7%), “Fees or interest” (10.2%).
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 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.