States › Minnesota › Credit card
Who in Minnesota 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.
Minnesota consumers filed 931 complaints under “Credit card” in the 12 months to 1 Oct 2026, up 16% on the 805 of the 12 months before. That is 16.0 per 100,000 residents, below the national 27.0.
The category makes up 3.4% of the state's complaints, against 1.3% nationally. 24.8% of closed complaints ended with monetary or non-monetary relief (26.9% nationally) and 99% of responses were timely.
Companies with the most Credit card complaints from Minnesota, with their size
Ordered by complaints from Minnesota consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from MN, 12 months | Share | Company size |
|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 138 | 14.8% | $662bn assets |
| CITIBANK, N.A. | 106 | 11.4% | $1.98tn assets |
| SYNCHRONY FINANCIAL | 105 | 11.3% | $115bn assets |
| AMERICAN EXPRESS COMPANY | 63 | 6.8% | $214bn assets |
| JPMORGAN CHASE & CO. | 62 | 6.7% | $4.09tn assets |
| WELLS FARGO & COMPANY | 61 | 6.6% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 40 | 4.3% | $2.65tn assets |
| U.S. BANCORP | 38 | 4.1% | $706bn assets |
| Bread Financial Holdings, Inc. | 36 | 3.9% | $21bn assets |
| BARCLAYS BANK DELAWARE | 28 | 3% | $43bn assets |
| GOLDMAN SACHS BANK USA | 26 | 2.8% | $759bn assets |
| DISCOVER BANK | 18 | 1.9% | no public measure |
| CLGF Holdco 1, LLC | 17 | 1.8% | no public measure |
| Chime Financial Inc | 14 | 1.5% | no public measure |
| TD BANK US HOLDING COMPANY | 14 | 1.5% | $375bn assets |
| FIRST NATIONAL BANK OF OMAHA | 14 | 1.5% | $34bn assets |
| Avant Holding Company, Inc. | 9 | 1% | no public measure |
| Experian Information Solutions Inc. | 9 | 1% | no public measure |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 8 | 0.9% | $106bn assets |
| Atlanticus Services Corporation | 7 | 0.8% | no public measure |
| All other companies, including those not listed by name | 118 | 12.7% | — |
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 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 | 328 | 35.2% |
| Other features, terms, or problems | 122 | 13.1% |
| Fees or interest | 95 | 10.2% |
| Getting a credit card | 92 | 9.9% |
| Closing your account | 68 | 7.3% |
| Advertising and marketing, including promotional offers | 50 | 5.4% |
| Problem when making payments | 47 | 5% |
| Trouble using your card | 42 | 4.5% |
| Incorrect information on your report | 38 | 4.1% |
| Problem with a company's investigation into an existing problem | 20 | 2.1% |
| Other CFPB issue categories | 29 | 3.1% |
How companies responded
- Closed with explanation673 · 72.3%
- Closed with monetary relief135 · 14.5%
- Closed with non-monetary relief87 · 9.3%
- In progress35 · 3.8%
- All other categories1 · 0.1%
| Measure | Minnesota, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 16.0 | 27.0 |
| Closed with monetary or non-monetary relief | 24.8% | 26.9% |
| Responses marked timely | 99% | 98.8% |
Trend
Other products in Minnesota
Credit reporting or other personal consumer reports · 22,200Debt collection · 2,010Checking or savings account · 885Money transfer, virtual currency, or money service · 418Mortgage · 382Student loan · 252Vehicle loan or lease · 176Payday loan, title loan, personal loan, or advance loan · 135
Questions and answers
How many Credit card complaints come from Minnesota?
931 in the 12 months to 1 Oct 2026, 805 in the 12 months before and 3,688 since 2011.
Is that high for the population?
16.0 per 100,000 residents in Minnesota against 27.0 nationally.
Which issues come up most?
“Problem with a purchase shown on your statement” (35.2%), “Other features, terms, or problems” (13.1%), “Fees or interest” (10.2%), “Getting a credit card” (9.9%).
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.