---
title: CFPB complaints — Credit card or prepaid card
product: Credit card or prepaid card
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Credit card or prepaid card

**548,037** complaints (3.4% of all CFPB complaints), across **1,317** companies. Companies gave a timely response **99.0%** of the time.

**How to read this:** complaint volume tracks how many people use a product and how large its companies are — **not** how "bad" it is (credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 3 raw CFPB product labels: Credit card; Credit card or prepaid card; Prepaid card.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| Problem with a purchase shown on your statement | 104,419 |
| Getting a credit card | 51,841 |
| Other features, terms, or problems | 45,251 |
| Fees or interest | 40,620 |
| Incorrect information on your report | 38,772 |
| Problem when making payments | 29,970 |

## Companies most complained about (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely response |
| --- | --- | --- |
| CAPITAL ONE FINANCIAL CORPORATION | 64,913 | 100.0% |
| CITIBANK, N.A. | 64,428 | 99.8% |
| JPMORGAN CHASE & CO. | 45,192 | 100.0% |
| SYNCHRONY FINANCIAL | 42,484 | 99.5% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 38,726 | 97.4% |
| AMERICAN EXPRESS COMPANY | 38,180 | 99.8% |
| EQUIFAX, INC. | 20,342 | 100.0% |
| Bread Financial Holdings, Inc. | 20,082 | 100.0% |
| DISCOVER BANK | 19,452 | 99.9% |
| TRANSUNION INTERMEDIATE HOLDINGS, INC. | 19,145 | 100.0% |
| WELLS FARGO & COMPANY | 18,356 | 97.6% |
| Experian Information Solutions Inc. | 17,981 | 100.0% |
| BARCLAYS BANK DELAWARE | 16,957 | 100.0% |
| U.S. BANCORP | 14,375 | 99.9% |
| GOLDMAN SACHS BANK USA | 9,101 | 100.0% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/credit-card-or-prepaid-card.jsonld`