States › Texas › Credit card
Who in Texas 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.
Texas consumers filed 9,008 complaints under “Credit card” in the 12 months to 1 Oct 2026, down 31% on the 12,988 of the 12 months before. That is 28.4 per 100,000 residents, close to the national 27.0.
The category makes up 0.8% of the state's complaints, against 1.3% nationally. 30.3% of closed complaints ended with monetary or non-monetary relief (26.9% nationally) and 98.8% of responses were timely.
Companies with the most Credit card complaints from Texas, with their size
Ordered by complaints from Texas consumers in the last 12 months. Size is the company's national figure.
| Company (as named by the CFPB) | Complaints from TX, 12 months | Share | Company size |
|---|---|---|---|
| CAPITAL ONE FINANCIAL CORPORATION | 1,029 | 11.4% | $662bn assets |
| CITIBANK, N.A. | 1,026 | 11.4% | $1.98tn assets |
| SYNCHRONY FINANCIAL | 827 | 9.2% | $115bn assets |
| EQUIFAX, INC. | 640 | 7.1% | no public measure |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 593 | 6.6% | no public measure |
| JPMORGAN CHASE & CO. | 585 | 6.5% | $4.09tn assets |
| Experian Information Solutions Inc. | 541 | 6% | no public measure |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 473 | 5.3% | $2.65tn assets |
| AMERICAN EXPRESS COMPANY | 447 | 5% | $214bn assets |
| Bread Financial Holdings, Inc. | 316 | 3.5% | $21bn assets |
| WELLS FARGO & COMPANY | 309 | 3.4% | $1.92tn assets |
| GOLDMAN SACHS BANK USA | 217 | 2.4% | $759bn assets |
| BARCLAYS BANK DELAWARE | 170 | 1.9% | $43bn assets |
| U.S. BANCORP | 148 | 1.6% | $706bn assets |
| NAVY FEDERAL CREDIT UNION | 143 | 1.6% | $204bn assets |
| DISCOVER BANK | 126 | 1.4% | no public measure |
| Chime Financial Inc | 106 | 1.2% | no public measure |
| CLGF Holdco 1, LLC | 97 | 1.1% | no public measure |
| Atlanticus Services Corporation | 89 | 1% | no public measure |
| TD BANK US HOLDING COMPANY | 79 | 0.9% | $375bn assets |
| All other companies, including those not listed by name | 1,047 | 11.6% | — |
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. 13 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 | 2,426 | 26.9% |
| Incorrect information on your report | 1,609 | 17.9% |
| Other features, terms, or problems | 846 | 9.4% |
| Getting a credit card | 841 | 9.3% |
| Fees or interest | 815 | 9% |
| Problem with a company's investigation into an existing problem | 659 | 7.3% |
| Closing your account | 553 | 6.1% |
| Advertising and marketing, including promotional offers | 374 | 4.2% |
| Problem when making payments | 366 | 4.1% |
| Trouble using your card | 289 | 3.2% |
| Other CFPB issue categories | 230 | 2.6% |
How companies responded
- Closed with explanation6,027 · 66.9%
- Closed with non-monetary relief1,489 · 16.5%
- Closed with monetary relief1,146 · 12.7%
- In progress315 · 3.5%
- All other categories31 · 0.3%
| Measure | Texas, this product | United States, this product |
|---|---|---|
| Complaints per 100,000 residents, 12 months | 28.4 | 27.0 |
| Closed with monetary or non-monetary relief | 30.3% | 26.9% |
| Responses marked timely | 98.8% | 98.8% |
Trend
Other products in Texas
Credit reporting or other personal consumer reports · 1,037,270Debt collection · 54,311Checking or savings account · 7,947Money transfer, virtual currency, or money service · 3,544Mortgage · 3,117Vehicle loan or lease · 2,530Payday loan, title loan, personal loan, or advance loan · 2,141Student loan · 1,640
Questions and answers
How many Credit card complaints come from Texas?
9,008 in the 12 months to 1 Oct 2026, 12,988 in the 12 months before and 36,687 since 2011.
Is that high for the population?
28.4 per 100,000 residents in Texas against 27.0 nationally.
Which issues come up most?
“Problem with a purchase shown on your statement” (26.9%), “Incorrect information on your report” (17.9%), “Other features, terms, or problems” (9.4%), “Getting a credit card” (9.3%).
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.