States › North Carolina › Credit card
Who in North Carolina 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.
North Carolina consumers filed 2,785 complaints under “Credit card” in the 12 months to 1 Oct 2026, about level with the 2,580 of the 12 months before. That is 24.9 per 100,000 residents, close to the national 27.0.
The category makes up 1.1% of the state's complaints, against 1.3% nationally. 26.8% of closed complaints ended with monetary or non-monetary relief (26.9% nationally) and 98.9% of responses were timely.
Companies with the most Credit card complaints from North Carolina, with their size
Ordered by complaints from North Carolina consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from NC, 12 months | Share | Company size |
|---|---|---|---|
| CITIBANK, N.A. | 408 | 14.6% | $1.98tn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 377 | 13.5% | $662bn assets |
| SYNCHRONY FINANCIAL | 305 | 11% | $115bn assets |
| JPMORGAN CHASE & CO. | 171 | 6.1% | $4.09tn assets |
| AMERICAN EXPRESS COMPANY | 160 | 5.7% | $214bn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 123 | 4.4% | $2.65tn assets |
| Bread Financial Holdings, Inc. | 103 | 3.7% | $21bn assets |
| WELLS FARGO & COMPANY | 87 | 3.1% | $1.92tn assets |
| BARCLAYS BANK DELAWARE | 84 | 3% | $43bn assets |
| EQUIFAX, INC. | 76 | 2.7% | no public measure |
| Experian Information Solutions Inc. | 60 | 2.2% | no public measure |
| GOLDMAN SACHS BANK USA | 60 | 2.2% | $759bn assets |
| CLGF Holdco 1, LLC | 54 | 1.9% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 49 | 1.8% | no public measure |
| NAVY FEDERAL CREDIT UNION | 49 | 1.8% | $204bn assets |
| DISCOVER BANK | 47 | 1.7% | no public measure |
| U.S. BANCORP | 44 | 1.6% | $706bn assets |
| Chime Financial Inc | 43 | 1.5% | no public measure |
| Atlanticus Services Corporation | 35 | 1.3% | no public measure |
| STATE EMPLOYEES’ CREDIT UNION | 31 | 1.1% | no public measure |
| All other companies, including those not listed by name | 419 | 15% | — |
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 | 833 | 29.9% |
| Incorrect information on your report | 335 | 12% |
| Fees or interest | 295 | 10.6% |
| Other features, terms, or problems | 281 | 10.1% |
| Getting a credit card | 260 | 9.3% |
| Closing your account | 191 | 6.9% |
| Problem when making payments | 148 | 5.3% |
| Problem with a company's investigation into an existing problem | 133 | 4.8% |
| Advertising and marketing, including promotional offers | 119 | 4.3% |
| Trouble using your card | 118 | 4.2% |
| Other CFPB issue categories | 72 | 2.6% |
How companies responded
- Closed with explanation1,942 · 69.7%
- Closed with monetary relief399 · 14.3%
- Closed with non-monetary relief317 · 11.4%
- In progress114 · 4.1%
- All other categories13 · 0.5%
| Measure | North Carolina, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 24.9 | 27.0 |
| Closed with monetary or non-monetary relief | 26.8% | 26.9% |
| Responses marked timely | 98.9% | 98.8% |
Trend
Other products in North Carolina
Credit reporting or other personal consumer reports · 224,935Debt collection · 12,833Checking or savings account · 2,726Money transfer, virtual currency, or money service · 1,283Mortgage · 1,024Vehicle loan or lease · 909Student loan · 712Payday loan, title loan, personal loan, or advance loan · 611
Questions and answers
How many Credit card complaints come from North Carolina?
2,785 in the 12 months to 1 Oct 2026, 2,580 in the 12 months before and 10,054 since 2011.
Is that high for the population?
24.9 per 100,000 residents in North Carolina against 27.0 nationally.
Which issues come up most?
“Problem with a purchase shown on your statement” (29.9%), “Incorrect information on your report” (12%), “Fees or interest” (10.6%), “Other features, terms, or problems” (10.1%).
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.