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Consumer complaints
Complaints consumers have filed with the Consumer Financial Protection Bureau about banks, lenders, credit bureaus, debt collectors and payment companies, by company, product and year. Unverified by the CFPB. Read Oct 20, 2026.
A complaint is a consumer's account of a problem. The CFPB sends it to the company and publishes it once the company responds or 15 days pass; it does not check whether the complaint is true. Big companies with many customers get more complaints, so counts are not a measure of how well a company treats people.
- Complaints since December 2011
- 18,513,583
- Companies named
- 8,179
- Closed with money back to the consumer
- 222,307
- Companies didn't answer on time
- 35,347
- Still in progress
- 632,268
Companies by complaints
The 300 companies with the most complaints. "Answered on time" is the share the company responded to within 15 days; "closed with money back" the share closed with monetary relief.
| # | Company | Complaints | 2025 | 2026 so far | Answered on time | Closed with money back | Years |
|---|---|---|---|---|---|---|---|
| 1 | TransUnion Intermediate Holdings, Inc.Credit reporting or other personal consumer reports | 5,127,924 | 1,601,849 | 1,930,353 | 100.0% | 0.01% | 2012 to 2026 |
| 2 | Equifax, Inc.Credit reporting or other personal consumer reports | 4,923,349 | 1,680,537 | 1,604,291 | 100.0% | 0.00% | 2012 to 2026 |
| 3 | Experian Information Solutions Inc.Credit reporting or other personal consumer reports | 4,507,619 | 1,388,821 | 1,619,451 | 100.0% | 0.03% | 2012 to 2026 |
| 4 | Bank of America, National AssociationMortgage | 188,679 | 19,168 | 19,369 | 97.6% | 19.00% | 2011 to 2026 |
| 5 | JPMorgan Chase & Co.Checking or savings account | 178,012 | 24,458 | 20,953 | 100.0% | 10.14% | 2011 to 2026 |
| 6 | Wells Fargo & CompanyMortgage | 176,590 | 19,468 | 18,072 | 97.8% | 8.33% | 2011 to 2026 |
| 7 | Capital One Financial CorporationCredit card | 175,010 | 34,102 | 27,708 | 100.0% | 6.97% | 2011 to 2026 |
| 8 | Citibank, N.A.Credit card | 143,705 | 19,792 | 18,857 | 99.7% | 17.68% | 2011 to 2026 |
| 9 | Synchrony FinancialCredit card | 84,986 | 13,650 | 12,997 | 99.2% | 13.81% | 2011 to 2026 |
| 10 | Resurgent Capital Services L.P.Debt collection | 73,575 | 23,741 | 18,775 | 100.0% | 0.16% | 2012 to 2026 |
| 11 | Block, Inc.Money transfer, virtual currency, or money service | 72,238 | 48,091 | 12,712 | 98.6% | 0.18% | 2019 to 2026 |
| 12 | LexisNexisCredit reporting or other personal consumer reports | 70,543 | 19,477 | 29,464 | 99.1% | 0.00% | 2012 to 2026 |
| 13 | Encore Capital Group Inc.Debt collection | 69,040 | 17,404 | 18,790 | 100.0% | 0.14% | 2013 to 2026 |
| 14 | Portfolio Recovery Associates, LLCDebt collection | 67,640 | 16,206 | 17,585 | 98.9% | 0.01% | 2013 to 2026 |
| 15 | American Express CompanyCredit card | 60,888 | 10,571 | 9,249 | 99.8% | 15.11% | 2011 to 2026 |
| 16 | CBC Companies, Inc.Credit reporting or other personal consumer reports | 59,225 | 30,769 | 17,928 | 100.0% | 0.00% | 2020 to 2026 |
| 17 | CL Holdings LLCDebt collection | 56,373 | 15,540 | 25,339 | 100.0% | 0.20% | 2013 to 2026 |
| 18 | U.S. BancorpChecking or savings account | 50,439 | 5,586 | 5,461 | 99.8% | 10.76% | 2011 to 2026 |
| 19 | Navy Federal Credit UnionChecking or savings account | 50,070 | 17,276 | 8,377 | 100.0% | 6.39% | 2011 to 2026 |
| 20 | Bread Financial Holdings, Inc.Credit card or prepaid card | 49,631 | 9,401 | 8,241 | 100.0% | 16.99% | 2016 to 2026 |
| 21 | Discover BankCredit card | 44,503 | 8,632 | 1,791 | 100.0% | 6.11% | 2011 to 2026 |
| 22 | Navient Solutions, LLC.Student loan | 43,774 | 1,149 | 509 | 100.0% | 2.31% | 2012 to 2026 |
| 23 | Paypal Holdings, IncMoney transfer, virtual currency, or money service | 43,401 | 7,412 | 10,249 | 99.9% | 14.86% | 2013 to 2026 |
| 24 | Ocwen Financial CorporationMortgage | 38,124 | 1,263 | 1,354 | 98.6% | 0.56% | 2011 to 2026 |
| 25 | TD Bank US Holding CompanyChecking or savings account | 38,027 | 5,594 | 4,943 | 100.0% | 16.44% | 2011 to 2026 |
| 26 | Early Warning Services, LLCMoney transfer, virtual currency, or money service | 37,311 | 24,509 | 4,666 | 100.0% | 0.00% | 2013 to 2026 |
| 27 | PNC Bank N.A.Checking or savings account | 32,809 | 3,198 | 3,060 | 99.7% | 9.74% | 2011 to 2026 |
| 28 | Ally Financial Inc.Vehicle loan or lease | 30,792 | 5,553 | 4,779 | 100.0% | 4.32% | 2012 to 2026 |
| 29 | MOHELAStudent loan | 30,141 | 10,356 | 7,453 | 64.1% | 0.93% | 2012 to 2026 |
| 30 | Chime Financial IncChecking or savings account | 29,336 | 8,389 | 9,628 | 99.9% | 5.38% | 2020 to 2026 |
| 31 | CCS Financial Services, Inc.Debt collection | 29,186 | 8,145 | 8,170 | 85.7% | 0.01% | 2013 to 2026 |
| 32 | Barclays Bank DelawareCredit card | 29,149 | 4,791 | 4,431 | 100.0% | 11.55% | 2011 to 2026 |
| 33 | Nelnet, Inc.Student loan | 28,178 | 8,074 | 5,266 | 99.7% | 0.02% | 2012 to 2026 |
| 34 | I.C. System, Inc.Debt collection | 25,592 | 5,249 | 6,777 | 99.9% | 0.00% | 2013 to 2026 |
| 35 | Truist Financial CorporationChecking or savings account | 25,219 | 5,135 | 4,585 | 99.0% | 4.61% | 2019 to 2026 |
| 36 | Transworld Systems IncDebt collection | 22,058 | 5,203 | 3,866 | 99.9% | 0.00% | 2014 to 2026 |
| 37 | National Credit Systems,Inc.Debt collection | 22,002 | 5,763 | 5,997 | 98.8% | 0.00% | 2013 to 2026 |
| 38 | Goldman Sachs Bank USACredit card | 21,616 | 5,430 | 4,973 | 99.8% | 11.54% | 2013 to 2026 |
| 39 | Fidelity National Information Services, Inc. (FNIS)Credit reporting or other personal consumer reports | 21,065 | 5,984 | 6,182 | 99.9% | 0.01% | 2012 to 2026 |
| 40 | Shellpoint Partners, LLCMortgage | 20,034 | 3,881 | 3,337 | 96.3% | 0.96% | 2011 to 2026 |
| 41 | United Services Automobile AssociationChecking or savings account | 19,965 | 2,697 | 2,556 | 99.6% | 8.17% | 2011 to 2026 |
| 42 | Kriya Capital, LLCDebt collection | 19,479 | 5,271 | 7,387 | 99.9% | 0.00% | 2014 to 2026 |
| 43 | Nationstar Mortgage LLCMortgage | 19,296 | 0 | 0 | 99.3% | 0.19% | 2011 to 2018 |
| 44 | Citizens Financial Group, Inc.Checking or savings account | 18,335 | 2,017 | 1,660 | 100.0% | 17.61% | 2011 to 2026 |
| 45 | Santander Holdings USA, Inc.Credit reporting or other personal consumer reports | 18,082 | 5,903 | 5,198 | 100.0% | 0.86% | 2018 to 2026 |
| 46 | Affirm Holdings, IncCredit reporting or other personal consumer reports | 17,962 | 5,454 | 6,575 | 99.9% | 0.01% | 2021 to 2026 |
| 47 | Select Portfolio Servicing, Inc.Mortgage | 16,585 | 981 | 1,022 | 99.6% | 0.08% | 2011 to 2026 |
| 48 | Aes/PheaaStudent loan | 16,572 | 312 | 247 | 99.9% | 1.75% | 2012 to 2026 |
| 49 | Fifth Third Financial CorporationChecking or savings account | 15,817 | 1,697 | 2,136 | 99.8% | 8.27% | 2011 to 2026 |
| 50 | Mr. Cooper Group Inc.Mortgage | 15,430 | 2,621 | 541 | 100.0% | 0.19% | 2017 to 2026 |
| 51 | Caine & Weiner Company, Inc.Debt collection | 15,121 | 3,778 | 5,473 | 99.8% | 0.01% | 2013 to 2026 |
| 52 | Ditech Financial LLCMortgage | 14,947 | 0 | 0 | 99.7% | 1.55% | 2011 to 2020 |
| 53 | Credit Acceptance CorporationVehicle loan or lease | 14,701 | 3,598 | 2,585 | 99.8% | 4.68% | 2012 to 2026 |
| 54 | Westlake Services, LLCVehicle loan or lease | 14,345 | 3,398 | 3,575 | 99.7% | 0.16% | 2013 to 2026 |
| 55 | Self Financial Inc.Credit reporting or other personal consumer reports | 13,012 | 4,119 | 3,971 | 98.7% | 0.19% | 2020 to 2026 |
| 56 | Maximus Federal Services, Inc.Student loan | 12,936 | 4,641 | 3,204 | 100.0% | 0.08% | 2021 to 2026 |
| 57 | OneMain Finance CorporationCredit reporting or other personal consumer reports | 12,709 | 3,423 | 3,025 | 100.0% | 1.29% | 2020 to 2026 |
| 58 | HSBC North America Holdings Inc.Mortgage | 12,486 | 372 | 323 | 98.7% | 2.80% | 2011 to 2026 |
| 59 | Santander Consumer USA Holdings Inc.Vehicle loan or lease | 12,455 | 0 | 0 | 99.9% | 1.89% | 2012 to 2022 |
| 60 | ErcDebt collection | 12,420 | 0 | 0 | 99.7% | 0.01% | 2013 to 2024 |
| 61 | National Credit Adjusters, LLCDebt collection | 11,480 | 2,395 | 2,947 | 99.0% | 0.02% | 2013 to 2026 |
| 62 | Spring Oaks Capital, LLCDebt collection | 11,339 | 3,813 | 4,615 | 99.9% | 0.01% | 2020 to 2026 |
| 63 | Freedom Mortgage CompanyMortgage | 10,427 | 1,484 | 1,598 | 99.5% | 0.08% | 2012 to 2026 |
| 64 | M&t Bank CorporationMortgage | 10,398 | 1,142 | 1,144 | 99.6% | 10.65% | 2011 to 2026 |
| 65 | Regions Financial CorporationChecking or savings account | 10,287 | 1,113 | 1,004 | 98.9% | 18.05% | 2011 to 2026 |
| 66 | Corelogic IncCredit reporting or other personal consumer reports | 9,853 | 2,510 | 1,752 | 99.6% | 0.02% | 2012 to 2026 |
| 67 | General Motors Financial Company, Inc.Vehicle loan or lease | 9,822 | 1,750 | 1,417 | 99.9% | 1.09% | 2012 to 2026 |
| 68 | EdFinancial ServicesStudent loan | 9,813 | 3,279 | 2,155 | 78.0% | 0.00% | 2012 to 2026 |
| 69 | Exeter Finance, LLC.Credit reporting or other personal consumer reports | 9,762 | 2,671 | 2,304 | 99.8% | 0.00% | 2013 to 2026 |
| 70 | Coinbase, Inc.Money transfer, virtual currency, or money service | 9,752 | 1,380 | 799 | 99.6% | 19.83% | 2014 to 2026 |
| 71 | Suntrust Banks, Inc.Mortgage | 9,634 | 0 | 0 | 99.9% | 13.50% | 2011 to 2020 |
| 72 | Rocket Mortgage, LLCMortgage | 9,528 | 876 | 3,636 | 99.6% | 2.56% | 2011 to 2026 |
| 73 | Toyota Motor Credit CorporationVehicle loan or lease | 9,495 | 1,805 | 1,853 | 100.0% | 3.39% | 2012 to 2026 |
| 74 | CLGF Holdco 1, LLCCredit reporting or other personal consumer reports | 9,313 | 2,507 | 1,950 | 95.5% | 4.10% | 2021 to 2026 |
| 75 | HW Holding, IncDebt collection | 9,250 | 2,094 | 1,696 | 99.4% | 0.13% | 2013 to 2026 |
| 76 | Huntington National Bank, theChecking or savings account | 9,151 | 1,242 | 1,708 | 99.9% | 20.85% | 2012 to 2026 |
| 77 | Convergent Resources, Inc.Debt collection | 9,117 | 64 | 22 | 99.9% | 0.00% | 2012 to 2026 |
| 78 | Radius Global Solutions LLCDebt collection | 9,079 | 2,375 | 2,578 | 100.0% | 0.03% | 2013 to 2026 |
| 79 | Specialized Loan Servicing Holdings LLCMortgage | 8,770 | 0 | 0 | 99.0% | 0.03% | 2012 to 2024 |
| 80 | ID Analytics, Inc.Credit reporting or other personal consumer reports | 8,705 | 1,990 | 2,005 | 98.6% | 0.00% | 2013 to 2026 |
| 81 | ComericaCredit card or prepaid card | 8,603 | 1,245 | 979 | 99.7% | 30.36% | 2011 to 2026 |
| 82 | LoanCare, LLCMortgage | 8,457 | 650 | 877 | 99.0% | 0.09% | 2012 to 2026 |
| 83 | Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a GenesisDebt collection | 8,440 | 2,951 | 2,144 | 99.7% | 0.28% | 2019 to 2026 |
| 84 | Hyundai Capital AmericaVehicle loan or lease | 8,390 | 1,408 | 1,539 | 99.4% | 0.48% | 2012 to 2026 |
| 85 | KeycorpChecking or savings account | 8,342 | 804 | 730 | 99.8% | 18.32% | 2011 to 2026 |
| 86 | Southwest Credit Systems, L.P.Debt collection | 8,261 | 1,877 | 1,101 | 96.3% | 0.01% | 2013 to 2026 |
| 87 | Bridgecrest Acceptance CorporationVehicle loan or lease | 7,793 | 2,215 | 1,858 | 97.9% | 0.03% | 2016 to 2026 |
| 88 | Servicer under contract with Federal Student AidStudent loan | 7,665 | 3,296 | 4,351 | 0.0% | 0.00% | 2024 to 2026 |
| 89 | Carrington Mortgage Services, LLCMortgage | 7,448 | 700 | 1,035 | 99.5% | 0.13% | 2012 to 2026 |
| 90 | Sofi Technologies, Inc.Checking or savings account | 7,444 | 2,915 | 2,820 | 100.0% | 6.80% | 2024 to 2026 |
| 91 | T.S. HoldingsDebt collection | 7,406 | 2,208 | 2,192 | 99.9% | 0.14% | 2020 to 2026 |
| 92 | Kikoff Inc.Credit reporting or other personal consumer reports | 7,253 | 2,740 | 2,796 | 100.0% | 0.06% | 2020 to 2026 |
| 93 | Sunrise Credit Services, IncDebt collection | 7,252 | 1,915 | 2,155 | 99.9% | 0.32% | 2013 to 2026 |
| 94 | Bmo Bank National AssociationChecking or savings account | 7,252 | 1,228 | 1,090 | 99.9% | 14.40% | 2011 to 2026 |
| 95 | NCB Management Services Inc.Debt collection | 7,099 | 1,994 | 1,645 | 99.9% | 0.01% | 2013 to 2026 |
| 96 | Fair Collections & Outsourcing, Inc.Debt collection | 6,609 | 1,666 | 1,498 | 98.2% | 0.00% | 2013 to 2026 |
| 97 | Pennymac Loan Services, LLC.Mortgage | 6,565 | 1,031 | 1,191 | 99.8% | 5.12% | 2012 to 2026 |
| 98 | Pentagon Federal Credit UnionChecking or savings account | 6,522 | 911 | 682 | 99.8% | 9.74% | 2011 to 2026 |
| 99 | Cavalry Investments, LLCDebt collection | 6,451 | 1,169 | 1,043 | 100.0% | 0.40% | 2013 to 2026 |
| 100 | ProCollect, Inc.Debt collection | 6,394 | 1,498 | 1,417 | 91.0% | 0.00% | 2013 to 2026 |
| 101 | Aldous & Associates, PLLCDebt collection | 6,369 | 1,769 | 2,610 | 98.6% | 0.02% | 2013 to 2026 |
| 102 | SLM CorporationStudent loan | 6,137 | 1,020 | 863 | 99.9% | 4.43% | 2012 to 2026 |
| 103 | Enova International, Inc.Debt collection | 6,061 | 1,193 | 1,059 | 99.8% | 0.18% | 2013 to 2026 |
| 104 | TrueAccord Corp.Debt collection | 5,988 | 1,999 | 2,480 | 99.4% | 0.00% | 2014 to 2026 |
| 105 | Netspend CorporationCredit card or prepaid card | 5,870 | 886 | 631 | 97.8% | 0.99% | 2013 to 2026 |
| 106 | Harris & Harris, Ltd.Debt collection | 5,673 | 1,934 | 2,306 | 99.9% | 0.00% | 2013 to 2026 |
| 107 | Atlanticus Services CorporationCredit card | 5,653 | 1,235 | 1,299 | 92.8% | 17.42% | 2014 to 2026 |
| 108 | Bb&t CorporationBank account or service | 5,522 | 0 | 0 | 99.7% | 2.17% | 2011 to 2020 |
| 109 | Nissan Motor Acceptance Company LLCVehicle loan or lease | 5,507 | 1,021 | 712 | 98.6% | 0.13% | 2012 to 2026 |
| 110 | Global Lending Services LLCCredit reporting or other personal consumer reports | 5,256 | 1,639 | 1,514 | 99.5% | 0.00% | 2015 to 2026 |
| 111 | Bbva Financial CorporationChecking or savings account | 5,180 | 0 | 0 | 100.0% | 19.54% | 2012 to 2021 |
| 112 | Credit Karma, LLCChecking or savings account | 5,171 | 779 | 806 | 94.0% | 8.92% | 2015 to 2026 |
| 113 | American Honda Finance CorpVehicle loan or lease | 5,131 | 844 | 847 | 99.1% | 1.95% | 2012 to 2026 |
| 114 | Amsher Collection Services, Inc.Debt collection | 5,129 | 1,370 | 236 | 98.4% | 0.06% | 2013 to 2026 |
| 115 | Sequium Asset Solutions, LLCDebt collection | 5,120 | 1,106 | 1,336 | 99.2% | 0.00% | 2017 to 2026 |
| 116 | Robinhood Markets Inc.Money transfer, virtual currency, or money service | 5,056 | 1,917 | 1,381 | 87.4% | 0.00% | 2018 to 2026 |
| 117 | Afni Inc.Debt collection | 5,039 | 88 | 72 | 100.0% | 0.04% | 2013 to 2026 |
| 118 | Western Union Company, theMoney transfer, virtual currency, or money service | 5,007 | 441 | 526 | 99.4% | 1.68% | 2013 to 2026 |
| 119 | Upgrade, Inc.Credit reporting or other personal consumer reports | 4,983 | 1,481 | 1,427 | 99.8% | 3.11% | 2017 to 2026 |
| 120 | Diversified Consultants, Inc.Debt collection | 4,937 | 0 | 0 | 99.5% | 0.08% | 2013 to 2020 |
| 121 | The CBE Group, Inc.Debt collection | 4,872 | 994 | 1,054 | 100.0% | 0.06% | 2013 to 2026 |
| 122 | Caliber Home Loans, Inc.Mortgage | 4,742 | 0 | 0 | 99.1% | 3.67% | 2011 to 2024 |
| 123 | World Acceptance CorporationDebt collection | 4,680 | 1,130 | 1,144 | 97.6% | 0.13% | 2013 to 2026 |
| 124 | Synovus BankCredit reporting or other personal consumer reports | 4,632 | 1,058 | 35 | 99.9% | 4.10% | 2011 to 2026 |
| 125 | Ability Recovery Services, LLCDebt collection | 4,563 | 726 | 1,359 | 98.0% | 0.44% | 2013 to 2026 |
| 126 | Seterus, Inc.Mortgage | 4,486 | 0 | 0 | 99.7% | 2.10% | 2012 to 2021 |
| 127 | NRA Group, LLCDebt collection | 4,354 | 1,162 | 1,127 | 97.6% | 0.02% | 2013 to 2026 |
| 128 | First National Bank of OmahaCredit card | 4,288 | 643 | 511 | 99.3% | 8.61% | 2011 to 2026 |
| 129 | Credit Control, LLCDebt collection | 4,276 | 1,229 | 1,861 | 100.0% | 0.00% | 2020 to 2026 |
| 130 | Santander Bank, National AssociationBank account or service | 4,274 | 0 | 0 | 94.5% | 5.47% | 2011 to 2022 |
| 131 | Security Credit Services, LLCDebt collection | 4,231 | 1,151 | 1,238 | 99.8% | 0.00% | 2013 to 2026 |
| 132 | Source Receivables Management LLCDebt collection | 4,217 | 1,452 | 951 | 97.0% | 0.24% | 2013 to 2026 |
| 133 | Flagstar Bank, N.A.Mortgage | 4,208 | 0 | 0 | 100.0% | 1.31% | 2011 to 2022 |
| 134 | American Credit Acceptance, LLCVehicle loan or lease | 4,143 | 1,017 | 1,064 | 90.5% | 0.39% | 2013 to 2026 |
| 135 | Commonwealth Financial Systems, Inc.Debt collection | 4,135 | 0 | 0 | 95.2% | 0.07% | 2013 to 2024 |
| 136 | MoneyLion Inc.Checking or savings account | 4,079 | 888 | 852 | 94.8% | 5.52% | 2016 to 2026 |
| 137 | ONLINE Information Services, Inc.Debt collection | 4,076 | 883 | 1,043 | 99.9% | 0.00% | 2013 to 2026 |
| 138 | HCFS Healthcare Financial Services of TeamHealthDebt collection | 4,075 | 32 | 21 | 93.1% | 0.00% | 2013 to 2026 |
| 139 | Fay Servicing, LLCMortgage | 4,052 | 506 | 300 | 97.4% | 0.07% | 2012 to 2026 |
| 140 | CarMax, Inc.Credit reporting or other personal consumer reports | 4,051 | 1,027 | 802 | 99.7% | 0.32% | 2013 to 2026 |
| 141 | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)Mortgage | 4,030 | 35 | 16 | 98.6% | 0.02% | 2012 to 2026 |
| 142 | Consumer Portfolio Services, Inc.Credit reporting or other personal consumer reports | 3,957 | 899 | 785 | 99.7% | 0.48% | 2012 to 2026 |
| 143 | V and H PortfolioDebt collection | 3,954 | 1,056 | 1,378 | 99.3% | 0.03% | 2016 to 2026 |
| 144 | Acima Credit, LLCDebt collection | 3,934 | 1,048 | 620 | 99.9% | 1.55% | 2017 to 2026 |
| 145 | Capio Partners, LLCDebt collection | 3,894 | 719 | 836 | 98.9% | 0.10% | 2013 to 2026 |
| 146 | W&A Intermediate Co., LLCDebt collection | 3,806 | 1,716 | 254 | 96.2% | 0.03% | 2022 to 2026 |
| 147 | Rushmore Loan Management Services LLCMortgage | 3,802 | 0 | 0 | 99.5% | 0.00% | 2012 to 2023 |
| 148 | Ford Motor Credit Co.Vehicle loan or lease | 3,767 | 662 | 563 | 100.0% | 5.10% | 2012 to 2026 |
| 149 | Eastern Account Systems of Connecticut, Inc.Debt collection | 3,744 | 1,106 | 949 | 100.0% | 0.00% | 2013 to 2026 |
| 150 | Upstart Holdings, Inc.Credit reporting or other personal consumer reports | 3,637 | 1,125 | 1,187 | 98.7% | 0.36% | 2015 to 2026 |
| 151 | Continental Finance Company, LLCCredit card | 3,612 | 1,006 | 625 | 99.5% | 0.33% | 2014 to 2026 |
| 152 | FC HoldCo LLCCredit reporting or other personal consumer reports | 3,612 | 886 | 305 | 99.9% | 0.06% | 2014 to 2026 |
| 153 | Fiserv Finxact CorePrepaid card | 3,578 | 881 | 632 | 99.9% | 1.12% | 2020 to 2026 |
| 154 | LCI Acquisition Inc.Credit reporting or other personal consumer reports | 3,548 | 1,198 | 1,238 | 96.9% | 0.00% | 2022 to 2026 |
| 155 | Aargon Agency, Inc.Debt collection | 3,544 | 651 | 851 | 95.1% | 0.00% | 2013 to 2026 |
| 156 | Incomm Holdings Inc.Prepaid card | 3,543 | 586 | 504 | 79.0% | 0.37% | 2015 to 2026 |
| 157 | CURO Intermediate HoldingsDebt collection | 3,539 | 54 | 41 | 99.9% | 1.30% | 2013 to 2026 |
| 158 | Central Portfolio Control Inc.Debt collection | 3,415 | 1,172 | 1,217 | 99.9% | 0.00% | 2013 to 2026 |
| 159 | Mercedes Benz Financial ServicesVehicle loan or lease | 3,388 | 790 | 600 | 99.6% | 0.15% | 2012 to 2026 |
| 160 | BMW Financial Services NA, LLCVehicle loan or lease | 3,374 | 493 | 461 | 98.0% | 0.00% | 2012 to 2026 |
| 161 | Moneygram Payment Systems Worldwide IncMoney transfer, virtual currency, or money service | 3,373 | 249 | 194 | 99.7% | 14.68% | 2013 to 2026 |
| 162 | Credit Corp Solutions Inc.Debt collection | 3,342 | 1,063 | 922 | 99.9% | 0.06% | 2013 to 2026 |
| 163 | Selene Holdings LLCMortgage | 3,325 | 753 | 852 | 99.7% | 0.00% | 2020 to 2026 |
| 164 | Rent Recovery SolutionsDebt collection | 3,321 | 768 | 837 | 65.9% | 0.00% | 2013 to 2026 |
| 165 | Debt Recovery Solutions, LLCDebt collection | 3,264 | 437 | 609 | 100.0% | 0.00% | 2013 to 2026 |
| 166 | Avant Holding Company, Inc.Credit card | 3,155 | 783 | 809 | 99.3% | 0.48% | 2021 to 2026 |
| 167 | The CMI Group, Inc.Debt collection | 3,090 | 0 | 0 | 100.0% | 0.03% | 2013 to 2024 |
| 168 | Collection Management Holdings, LLCDebt collection | 3,071 | 1,136 | 1,106 | 99.4% | 0.03% | 2019 to 2026 |
| 169 | RoundPoint Mortgage Servicing LLCMortgage | 3,063 | 348 | 270 | 98.6% | 0.33% | 2012 to 2026 |
| 170 | Klarna ABPayday loan, title loan, personal loan, or advance loan | 3,053 | 777 | 1,683 | 92.9% | 5.63% | 2017 to 2026 |
| 171 | Medical Data Systems, Inc.Debt collection | 3,039 | 343 | 430 | 98.1% | 0.00% | 2013 to 2026 |
| 172 | LD Holdings Group, LLCMortgage | 3,026 | 284 | 264 | 98.2% | 4.16% | 2012 to 2026 |
| 173 | MRS Bpo, LLCDebt collection | 3,018 | 656 | 485 | 100.0% | 0.03% | 2013 to 2026 |
| 174 | Lakeview Loan Servicing, LLCMortgage | 2,988 | 296 | 395 | 99.4% | 0.50% | 2014 to 2026 |
| 175 | Colony Brands, Inc.Debt collection | 2,967 | 464 | 408 | 83.3% | 0.84% | 2015 to 2026 |
| 176 | Penn Credit CorporationDebt collection | 2,915 | 408 | 428 | 99.9% | 0.00% | 2013 to 2026 |
| 177 | Phoenix Financial Services LLCDebt collection | 2,913 | 7 | 0 | 98.2% | 0.03% | 2014 to 2025 |
| 178 | Diversified Adjustment Service, Inc.Debt collection | 2,894 | 630 | 556 | 99.7% | 0.00% | 2013 to 2026 |
| 179 | Possible Financial IncCredit reporting or other personal consumer reports | 2,888 | 773 | 1,285 | 98.6% | 0.10% | 2019 to 2026 |
| 180 | Velocity Portfolio GroupDebt collection | 2,866 | 868 | 323 | 98.5% | 0.03% | 2013 to 2026 |
| 181 | EOS Holdings, Inc.Debt collection | 2,843 | 12 | 5 | 99.2% | 0.04% | 2013 to 2026 |
| 182 | Mariner Finance, LLCDebt collection | 2,813 | 575 | 527 | 99.8% | 0.25% | 2014 to 2026 |
| 183 | Lockhart, Morris & Montgomery Inc.Debt collection | 2,788 | 817 | 901 | 98.2% | 0.00% | 2013 to 2026 |
| 184 | LJ Ross AssociatesDebt collection | 2,764 | 749 | 729 | 99.7% | 0.00% | 2013 to 2026 |
| 185 | CCF Intermediate Holdings LLCPayday loan, title loan, personal loan, or advance loan | 2,739 | 875 | 556 | 99.9% | 0.58% | 2022 to 2026 |
| 186 | CNG Financial CorporationDebt collection | 2,738 | 321 | 335 | 96.2% | 0.77% | 2013 to 2026 |
| 187 | BTH ManagementDebt collection | 2,697 | 737 | 1,142 | 99.0% | 0.07% | 2016 to 2026 |
| 188 | Bull City Financial Solutions, IncDebt collection | 2,687 | 751 | 655 | 97.7% | 0.00% | 2013 to 2026 |
| 189 | Wakefield & Associates, Inc.Debt collection | 2,684 | 0 | 0 | 91.4% | 0.04% | 2013 to 2023 |
| 190 | Waypoint Resource Group, LLCDebt collection | 2,650 | 234 | 1,048 | 87.6% | 0.04% | 2017 to 2026 |
| 191 | Onemain Financial Holdings, LLC.Consumer Loan | 2,646 | 0 | 0 | 99.8% | 4.35% | 2012 to 2019 |
| 192 | VW CreditVehicle loan or lease | 2,636 | 530 | 440 | 99.8% | 8.35% | 2012 to 2026 |
| 193 | Conn's, Inc.Debt collection | 2,593 | 0 | 0 | 99.4% | 0.31% | 2015 to 2024 |
| 194 | RentDebt Automated Collections, LLCDebt collection | 2,587 | 733 | 766 | 99.3% | 0.00% | 2013 to 2026 |
| 195 | Absolute Resolutions Corp.Debt collection | 2,582 | 956 | 743 | 99.2% | 0.04% | 2014 to 2026 |
| 196 | Monterey Financial Services LLCDebt collection | 2,557 | 523 | 640 | 100.0% | 0.31% | 2014 to 2026 |
| 197 | Army and Air Force Exchange ServiceDebt collection | 2,529 | 501 | 499 | 93.1% | 0.24% | 2012 to 2026 |
| 198 | AmeriCollectDebt collection | 2,521 | 363 | 231 | 99.2% | 0.04% | 2013 to 2026 |
| 199 | Consumer Adjustment Company IncorporatedDebt collection | 2,512 | 547 | 391 | 98.5% | 0.00% | 2013 to 2026 |
| 200 | TCF National BankBank account or service | 2,494 | 1 | 0 | 97.6% | 22.25% | 2011 to 2025 |
| 201 | Advanced Resolution Services Inc.Credit reporting or other personal consumer reports | 2,481 | 476 | 0 | 99.8% | 0.00% | 2016 to 2025 |
| 202 | Dovenmuehle Mortgage, Inc.Mortgage | 2,478 | 128 | 151 | 96.8% | 0.32% | 2011 to 2026 |
| 203 | Credit Systems International, Inc.Debt collection | 2,462 | 718 | 730 | 98.1% | 0.00% | 2013 to 2026 |
| 204 | PHH Mortgage Services CorporationMortgage | 2,450 | 0 | 0 | 99.4% | 1.35% | 2011 to 2019 |
| 205 | Receivables Performance Management, LLCDebt collection | 2,449 | 0 | 0 | 95.4% | 0.04% | 2013 to 2023 |
| 206 | Bank of the WestChecking or savings account | 2,443 | 0 | 0 | 96.6% | 12.73% | 2011 to 2023 |
| 207 | FinCo Services Inc DBA CurrentChecking or savings account | 2,424 | 650 | 931 | 88.4% | 5.32% | 2019 to 2026 |
| 208 | United Shore Financial Services, LLCMortgage | 2,418 | 519 | 535 | 99.2% | 1.65% | 2012 to 2026 |
| 209 | Conduent IncorporatedCredit card or prepaid card | 2,394 | 237 | 357 | 61.0% | 1.59% | 2016 to 2026 |
| 210 | Paramount GR Holdings, LLCPayday loan, title loan, personal loan, or advance loan | 2,377 | 558 | 1,110 | 97.6% | 0.80% | 2015 to 2026 |
| 211 | Halsted Financial Services, LLC.Debt collection | 2,351 | 654 | 755 | 97.5% | 0.04% | 2014 to 2026 |
| 212 | Lendmark Financial ServicesDebt collection | 2,305 | 559 | 512 | 95.9% | 0.09% | 2013 to 2026 |
| 213 | TekCollect Inc.Debt collection | 2,262 | 954 | 695 | 99.8% | 0.09% | 2013 to 2026 |
| 214 | Oportun Financial CorporationCredit reporting or other personal consumer reports | 2,225 | 560 | 532 | 99.0% | 1.39% | 2014 to 2026 |
| 215 | The Bureaus, Inc.Debt collection | 2,224 | 508 | 396 | 99.6% | 0.00% | 2013 to 2026 |
| 216 | MicroBilt / PRBC (formerly CL Verify)Credit reporting or other personal consumer reports | 2,213 | 773 | 503 | 93.0% | 0.00% | 2012 to 2026 |
| 217 | Cit Bank, National AssociationMortgage | 2,185 | 0 | 0 | 94.7% | 2.24% | 2011 to 2022 |
| 218 | National Consumer Telecom & Utilities Exchange, Inc.Credit reporting or other personal consumer reports | 2,181 | 679 | 1,102 | 99.8% | 0.00% | 2013 to 2026 |
| 219 | Opportunity Financial, LLCCredit reporting or other personal consumer reports | 2,162 | 710 | 607 | 99.4% | 0.05% | 2014 to 2026 |
| 220 | Midfirst BankMortgage | 2,154 | 304 | 378 | 100.0% | 6.22% | 2016 to 2026 |
| 221 | Professional Debt Mediation, Inc.Debt collection | 2,153 | 463 | 319 | 75.5% | 0.00% | 2013 to 2026 |
| 222 | Populus Financial Group, Inc. (F/K/A Ace Cash Express)Debt collection | 2,145 | 95 | 79 | 98.3% | 0.19% | 2013 to 2026 |
| 223 | State Employees’ Credit UnionCredit reporting or other personal consumer reports | 2,140 | 587 | 512 | 98.6% | 0.56% | 2012 to 2026 |
| 224 | Security Finance CorpDebt collection | 2,129 | 433 | 455 | 98.3% | 1.03% | 2012 to 2026 |
| 225 | AmeriHome Mortgage Company, LLCMortgage | 2,125 | 174 | 263 | 99.2% | 1.04% | 2014 to 2026 |
| 226 | TransferWise LtdMoney transfer, virtual currency, or money service | 2,124 | 430 | 442 | 93.5% | 8.71% | 2016 to 2026 |
| 227 | John C. Heath, Attorney at Law, PLLCDebt or credit management | 2,088 | 845 | 0 | 93.7% | 2.83% | 2014 to 2025 |
| 228 | New York Community Bancorp IncMortgage | 2,050 | 427 | 320 | 99.8% | 1.37% | 2019 to 2026 |
| 229 | Checkr, IncCredit reporting or other personal consumer reports | 2,042 | 469 | 686 | 98.3% | 0.00% | 2016 to 2026 |
| 230 | The Receivable Management Services LLCDebt collection | 2,001 | 475 | 465 | 99.9% | 0.10% | 2013 to 2026 |
| 231 | CMRE Financial Services, Inc.Debt collection | 1,998 | 61 | 31 | 93.7% | 0.00% | 2014 to 2026 |
| 232 | Contract Callers IncDebt collection | 1,993 | 475 | 559 | 97.6% | 0.00% | 2013 to 2026 |
| 233 | Planet Home Lending, LLCMortgage | 1,982 | 367 | 473 | 96.8% | 0.05% | 2012 to 2026 |
| 234 | United Collection Bureau, Inc.Debt collection | 1,944 | 415 | 346 | 98.8% | 0.00% | 2013 to 2026 |
| 235 | Ad Astra Recovery Services IncDebt collection | 1,942 | 0 | 0 | 100.0% | 0.15% | 2013 to 2020 |
| 236 | Midwest Recovery SystemsDebt collection | 1,933 | 0 | 0 | 84.2% | 0.05% | 2014 to 2022 |
| 237 | Iqor US IncDebt collection | 1,928 | 54 | 48 | 99.8% | 0.26% | 2013 to 2026 |
| 238 | Continental Services Group, Inc. d/b/a ConServeDebt collection | 1,923 | 394 | 427 | 100.0% | 0.21% | 2012 to 2026 |
| 239 | FactorTrust, Inc.Credit reporting or other personal consumer reports | 1,915 | 291 | 0 | 99.3% | 0.00% | 2014 to 2025 |
| 240 | Banco Popular de Puerto RicoMortgage | 1,906 | 172 | 162 | 99.7% | 7.35% | 2011 to 2026 |
| 241 | Receivables Management Partners, LLCDebt collection | 1,884 | 180 | 123 | 90.8% | 0.00% | 2013 to 2026 |
| 242 | Alorica Inc.Debt collection | 1,881 | 382 | 186 | 91.9% | 0.05% | 2013 to 2026 |
| 243 | First Advantage CorporationCredit reporting or other personal consumer reports | 1,877 | 350 | 384 | 93.5% | 0.05% | 2012 to 2026 |
| 244 | Expert Global Solutions, Inc.Debt collection | 1,821 | 0 | 0 | 99.8% | 0.22% | 2013 to 2019 |
| 245 | First Credit Services Inc.Debt collection | 1,802 | 441 | 449 | 99.6% | 0.00% | 2013 to 2026 |
| 246 | Dynamic Recovery Solutions, LLCDebt collection | 1,785 | 0 | 0 | 98.3% | 0.34% | 2013 to 2024 |
| 247 | Amerisave Mortgage CorporationMortgage | 1,769 | 150 | 118 | 97.4% | 23.35% | 2011 to 2026 |
| 248 | World Omni Financial Corp.Vehicle loan or lease | 1,769 | 397 | 349 | 99.6% | 0.68% | 2013 to 2026 |
| 249 | Everbank, National AssociationMortgage | 1,763 | 75 | 86 | 97.5% | 0.68% | 2011 to 2026 |
| 250 | Franklin Collection Service, Inc.Debt collection | 1,736 | 75 | 97 | 99.9% | 0.12% | 2013 to 2026 |
| 251 | Regional Management CorporationDebt collection | 1,731 | 418 | 301 | 98.8% | 0.29% | 2012 to 2026 |
| 252 | United Revenue CorporationDebt collection | 1,716 | 305 | 405 | 100.0% | 0.06% | 2013 to 2026 |
| 253 | CrossCountry Mortgage LLCMortgage | 1,712 | 298 | 477 | 96.7% | 1.93% | 2013 to 2026 |
| 254 | Arvest Bank Group, Inc.Mortgage | 1,710 | 160 | 132 | 99.3% | 1.87% | 2011 to 2026 |
| 255 | United PanAm Financial Corp.Credit reporting or other personal consumer reports | 1,700 | 484 | 402 | 96.4% | 1.18% | 2013 to 2026 |
| 256 | I.q. Data International, Inc.Debt collection | 1,699 | 0 | 0 | 100.0% | 0.18% | 2013 to 2020 |
| 257 | Cascade CISS Holdings, LLCCredit reporting or other personal consumer reports | 1,697 | 522 | 199 | 99.7% | 0.00% | 2022 to 2026 |
| 258 | Selene Finance LPMortgage | 1,695 | 0 | 0 | 99.1% | 0.12% | 2012 to 2020 |
| 259 | Zions Debt HoldingsDebt collection | 1,672 | 561 | 506 | 100.0% | 0.00% | 2023 to 2026 |
| 260 | Thaxton Investment CorporationDebt collection | 1,644 | 344 | 324 | 99.3% | 0.67% | 2013 to 2026 |
| 261 | Webster Bank, National AssociationChecking or savings account | 1,644 | 180 | 203 | 99.8% | 15.15% | 2012 to 2026 |
| 262 | First Portfolio Servicing IncCredit card | 1,638 | 460 | 379 | 99.2% | 0.00% | 2020 to 2026 |
| 263 | First Horizon BankChecking or savings account | 1,630 | 149 | 200 | 99.1% | 9.69% | 2011 to 2026 |
| 264 | Winklevoss Exchange LLCMoney transfer, virtual currency, or money service | 1,628 | 410 | 320 | 97.6% | 0.37% | 2017 to 2026 |
| 265 | FirstPoint Collection ResourcesDebt collection | 1,619 | 393 | 362 | 97.2% | 0.12% | 2013 to 2026 |
| 266 | First Citizens Bancshares, Inc.Checking or savings account | 1,610 | 218 | 221 | 99.7% | 12.36% | 2011 to 2026 |
| 267 | Bounce AI, Inc.Debt collection | 1,599 | 705 | 719 | 99.1% | 0.00% | 2023 to 2026 |
| 268 | Byrider Franchising, LLCVehicle loan or lease | 1,597 | 330 | 250 | 99.5% | 0.13% | 2012 to 2026 |
| 269 | Prosper Marketplace, Inc.Credit reporting or other personal consumer reports | 1,595 | 334 | 266 | 100.0% | 0.38% | 2015 to 2026 |
| 270 | Central Research IncStudent loan | 1,584 | 575 | 1,000 | 99.9% | 0.00% | 2024 to 2026 |
| 271 | BSI Financial Holdings, Inc.Mortgage | 1,577 | 188 | 144 | 99.7% | 0.06% | 2019 to 2026 |
| 272 | Great LakesStudent loan | 1,574 | 0 | 0 | 99.0% | 0.13% | 2012 to 2019 |
| 273 | Williams & Fudge, IncDebt collection | 1,560 | 302 | 227 | 99.6% | 0.00% | 2013 to 2026 |
| 274 | Open Dealer Exchange, LLCCredit reporting or other personal consumer reports | 1,555 | 389 | 249 | 98.3% | 0.00% | 2017 to 2026 |
| 275 | Sezzle Inc.Credit reporting or other personal consumer reports | 1,532 | 517 | 666 | 94.0% | 0.59% | 2021 to 2026 |
| 276 | Tower Loan of Mississippi, Inc.Debt collection | 1,521 | 282 | 217 | 99.7% | 0.07% | 2013 to 2026 |
| 277 | InnovisCredit reporting, credit repair services, or other personal consumer reports | 1,503 | 0 | 0 | 99.4% | 0.00% | 2012 to 2020 |
| 278 | Firstsource Business Process Services, LLCDebt collection | 1,487 | 260 | 237 | 99.3% | 0.07% | 2013 to 2026 |
| 279 | Lending Club CorpPayday loan, title loan, or personal loan | 1,486 | 0 | 0 | 89.2% | 4.98% | 2015 to 2022 |
| 280 | Capital Accounts, LLCDebt collection | 1,478 | 91 | 75 | 61.7% | 0.00% | 2013 to 2026 |
| 281 | Sterling Jewelers, Inc.Debt collection | 1,477 | 1 | 0 | 100.0% | 2.30% | 2012 to 2025 |
| 282 | Charles Schwab Corporation, theChecking or savings account | 1,465 | 256 | 293 | 99.2% | 6.01% | 2011 to 2026 |
| 283 | Heartland Payment Systems IncStudent loan | 1,434 | 208 | 162 | 95.8% | 0.14% | 2012 to 2026 |
| 284 | American First Finance, Inc.Debt collection | 1,420 | 223 | 151 | 99.1% | 13.38% | 2015 to 2026 |
| 285 | Blackhawk Network Holdings Inc.Prepaid card | 1,402 | 249 | 199 | 95.6% | 22.33% | 2014 to 2026 |
| 286 | Alliant Credit UnionChecking or savings account | 1,399 | 257 | 221 | 99.9% | 10.58% | 2018 to 2026 |
| 287 | ACS Education ServicesStudent loan | 1,385 | 11 | 5 | 95.1% | 0.07% | 2012 to 2026 |
| 288 | Trident Asset Management, L.L.C.Debt collection | 1,368 | 138 | 150 | 77.6% | 0.00% | 2013 to 2026 |
| 289 | R & B Corporation of VirginiaDebt collection | 1,367 | 15 | 62 | 95.7% | 0.00% | 2013 to 2026 |
| 290 | Suncoast Credit UnionChecking or savings account | 1,364 | 389 | 371 | 99.9% | 0.15% | 2020 to 2026 |
| 291 | The Outsource Group, IncDebt collection | 1,358 | 118 | 96 | 99.9% | 0.15% | 2018 to 2026 |
| 292 | Google Compare Credit Cards Inc.Money transfer, virtual currency, or money service | 1,352 | 238 | 179 | 88.0% | 0.81% | 2013 to 2026 |
| 293 | Ecmc Group, Inc.Debt collection | 1,319 | 96 | 104 | 99.9% | 1.90% | 2013 to 2026 |
| 294 | AR Resources, Inc.Debt collection | 1,305 | 122 | 117 | 96.8% | 0.00% | 2013 to 2026 |
| 295 | Big Picture Loans, LLCPayday loan | 1,294 | 34 | 25 | 95.5% | 0.70% | 2014 to 2026 |
| 296 | Morgan Stanley & Co. LLCChecking or savings account | 1,280 | 327 | 409 | 98.2% | 3.44% | 2012 to 2026 |
| 297 | Vystar Credit UnionChecking or savings account | 1,280 | 358 | 298 | 99.7% | 7.89% | 2022 to 2026 |
| 298 | Westcreek FinancialDebt collection | 1,276 | 386 | 439 | 59.4% | 3.53% | 2016 to 2026 |
| 299 | Tenet Healthcare CorporationDebt collection | 1,269 | 7 | 9 | 88.6% | 0.00% | 2013 to 2026 |
| 300 | Org GC GP Buyer, LLCDebt collection | 1,258 | 17 | 8 | 99.8% | 0.40% | 2012 to 2026 |
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.
Response times and relief
Among companies with at least 2,000 complaints. Companies are expected to respond within 15 days.
Least often on time
- Servicer under contract with Federal Student Aid0.0%7,665 late of 7,665 complaints
- Conduent Incorporated61.0%933 late of 2,394 complaints
- MOHELA64.1%10,805 late of 30,141 complaints
- Rent Recovery Solutions65.9%1,131 late of 3,321 complaints
- Professional Debt Mediation, Inc.75.5%527 late of 2,153 complaints
- EdFinancial Services78.0%2,160 late of 9,813 complaints
- Incomm Holdings Inc.79.0%743 late of 3,543 complaints
- Colony Brands, Inc.83.3%496 late of 2,967 complaints
- CCS Financial Services, Inc.85.7%4,173 late of 29,186 complaints
- Robinhood Markets Inc.87.4%639 late of 5,056 complaints
- Waypoint Resource Group, LLC87.6%328 late of 2,650 complaints
- FinCo Services Inc DBA Current88.4%281 late of 2,424 complaints
- American Credit Acceptance, LLC90.5%395 late of 4,143 complaints
- ProCollect, Inc.91.0%577 late of 6,394 complaints
- Wakefield & Associates, Inc.91.4%232 late of 2,684 complaints
Most often closed with money back
- Comerica30.4%2,612 of 8,603 complaints; mostly Credit card or prepaid card
- TCF National Bank22.3%555 of 2,494 complaints; mostly Bank account or service
- Huntington National Bank, the20.9%1,908 of 9,151 complaints; mostly Checking or savings account
- Coinbase, Inc.19.8%1,934 of 9,752 complaints; mostly Money transfer, virtual currency, or money service
- Bbva Financial Corporation19.5%1,012 of 5,180 complaints; mostly Checking or savings account
- Bank of America, National Association19.0%35,854 of 188,679 complaints; mostly Mortgage
- Keycorp18.3%1,528 of 8,342 complaints; mostly Checking or savings account
- Regions Financial Corporation18.1%1,857 of 10,287 complaints; mostly Checking or savings account
- Citibank, N.A.17.7%25,408 of 143,705 complaints; mostly Credit card
- Citizens Financial Group, Inc.17.6%3,228 of 18,335 complaints; mostly Checking or savings account
- Atlanticus Services Corporation17.4%985 of 5,653 complaints; mostly Credit card
- Bread Financial Holdings, Inc.17.0%8,433 of 49,631 complaints; mostly Credit card or prepaid card
- TD Bank US Holding Company16.4%6,250 of 38,027 complaints; mostly Checking or savings account
- American Express Company15.1%9,198 of 60,888 complaints; mostly Credit card
- Paypal Holdings, Inc14.9%6,449 of 43,401 complaints; mostly Money transfer, virtual currency, or money service
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.
By product, response and year
The CFPB has renamed its product categories over the years; we group the old and new names together.
By product
| Product | Complaints | Share |
|---|---|---|
| Credit reportsCFPB categories: Credit reporting; Credit reporting or other personal consumer reports; Credit reporting, credit repair services, or other personal consumer reports | 15,199,515 | 82.1% |
| Debt collection | 1,216,907 | 6.6% |
| Credit cardsCFPB categories: Credit card; Credit card or prepaid card | 558,990 | 3.0% |
| Bank accountsCFPB categories: Bank account or service; Checking or savings account | 490,494 | 2.6% |
| MortgagesCFPB categories: Mortgage | 463,792 | 2.5% |
| Money transfers and virtual currencyCFPB categories: Money transfer, virtual currency, or money service; Money transfers; Virtual currency | 200,314 | 1.1% |
| Student loansCFPB categories: Student loan | 135,112 | 0.7% |
| Payday and personal loansCFPB categories: Consumer Loan; Payday loan; Payday loan, title loan, or personal loan; Payday loan, title loan, personal loan, or advance loan | 107,575 | 0.6% |
| Vehicle loans and leasesCFPB categories: Vehicle loan or lease | 105,406 | 0.6% |
| Prepaid cardsCFPB categories: Prepaid card | 23,772 | 0.1% |
| Debt and credit managementCFPB categories: Debt or credit management | 10,650 | 0.1% |
| OtherCFPB categories: Other financial service | 1,056 | 0.0% |
How companies responded
| Company's response | Complaints | Share |
|---|---|---|
| Closed with explanation | 11,382,712 | 61.5% |
| Closed with non-monetary relief | 6,199,328 | 33.5% |
| In progress | 632,268 | 3.4% |
| Closed with monetary relief | 222,307 | 1.2% |
| Untimely response | 35,347 | 0.2% |
| Closed without relief | 17,867 | 0.1% |
| Closed | 17,611 | 0.1% |
| Closed with relief | 5,304 | 0.0% |
By year received
| Year | Complaints |
|---|---|
| 2011 | 2,536 |
| 2012 | 72,368 |
| 2013 | 108,214 |
| 2014 | 152,908 |
| 2015 | 168,272 |
| 2016 | 191,292 |
| 2017 | 242,745 |
| 2018 | 257,130 |
| 2019 | 277,239 |
| 2020 | 444,212 |
| 2021 | 495,940 |
| 2022 | 800,245 |
| 2023 | 1,292,048 |
| 2024 | 2,734,268 |
| 2025 | 5,442,944 |
| 2026 (so far) | 5,831,222 |
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.
Recent complaints
The latest complaints we hold, received Jul 21, 2026 to Oct 19, 2026 (46,155 in all). The list leaves out the three credit bureaus, which most of them are about. Each links to the complaint on the CFPB's site. Consumers' written stories are left out here.
| Received | Company | Product and issue | Consumer's state | Company's response | Complaint |
|---|---|---|---|---|---|
| Oct 18 | Medical-Commercial Audit Inc | Credit reportingProblem with a company's investigation into an existing problem | NC | Closed with non-monetary relief | 30291801 |
| Oct 17 | Forest Recovery Services LLC | Debt collectionTook or threatened to take negative or legal action | FL | Closed with explanation | 30258202 |
| Oct 17 | Medical-Commercial Audit Inc | Debt collectionAttempts to collect debt not owed | SC | Closed with non-monetary relief | 30239043 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | LA | In progress | 30201331 |
| Oct 16 | Diversified Adjustment Service, Inc. | Debt collectionFalse statements or representation | IL | Closed with explanation | 30200919 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | LA | In progress | 30198736 |
| Oct 16 | TekCollect Inc. | Debt collectionTook or threatened to take negative or legal action | NE | Closed with explanation | 30198718 |
| Oct 16 | Diversified Adjustment Service, Inc. | Telecommunications debtFalse statements or representation | NY | Closed with explanation | 30195463 |
| Oct 16 | Ally Financial Inc. | LeaseIncorrect information on your report | PA | In progress | 30195461 |
| Oct 16 | Ally Financial Inc. | LoanProblems at the end of the loan or lease | TX | In progress | 30195276 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | TX | In progress | 30195061 |
| Oct 16 | American Credit Acceptance, LLC | Debt collectionAttempts to collect debt not owed | LA | In progress | 30188259 |
| Oct 16 | Ally Financial Inc. | LoanIncorrect information on your report | AR | In progress | 30186500 |
| Oct 16 | Tennessee Credit Management, Inc | Debt collectionAttempts to collect debt not owed | MS | In progress | 30186393 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | CT | In progress | 30185965 |
| Oct 16 | Harris & Harris, Ltd. | Telecommunications debtAttempts to collect debt not owed | NC | Closed with explanation | 30184256 |
| Oct 16 | Ally Financial Inc. | LoanManaging the loan or lease | FL | In progress | 30183017 |
| Oct 16 | Ally Financial Inc. | Checking accountManaging an account | FL | In progress | 30181789 |
| Oct 16 | Tpls, Inc dba Auto Master | Auto debtFalse statements or representation | MD | Closed with explanation | 30181659 |
| Oct 16 | Transworld Systems Inc | Debt collectionCommunication tactics | VA | In progress | 30181370 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | NC | In progress | 30181327 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | NC | Closed with explanation | 30181107 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | IL | Closed with explanation | 30179520 |
| Oct 16 | Tpls, Inc dba Auto Master | Auto debtFalse statements or representation | MD | Closed with explanation | 30179494 |
| Oct 16 | I.C. System, Inc. | Debt collectionWritten notification about debt | TX | Closed with explanation | 30179307 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | AL | Closed with explanation | 30179242 |
| Oct 16 | Mercedes Benz Financial Services | LoanRepossession | PA | In progress | 30177718 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | GA | In progress | 30177488 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | NC | Closed with explanation | 30176763 |
| Oct 16 | Credit Systems International, Inc. | Other debtCommunication tactics | TX | Closed with explanation | 30175716 |
| Oct 16 | Ally Financial Inc. | LoanStruggling to pay your loan | KY | In progress | 30175283 |
| Oct 16 | Kriya Capital, LLC | Debt collectionWritten notification about debt | MS | In progress | 30175009 |
| Oct 16 | I.C. System, Inc. | Other debtAttempts to collect debt not owed | MA | Closed with explanation | 30173137 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionAttempts to collect debt not owed | MS | In progress | 30172879 |
| Oct 16 | Kriya Capital, LLC | Debt collectionTook or threatened to take negative or legal action | GA | In progress | 30172331 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | TX | Closed with explanation | 30172318 |
| Oct 16 | Diversified Adjustment Service, Inc. | Telecommunications debtWritten notification about debt | IA | Closed with explanation | 30171224 |
| Oct 16 | Bank of America, National Association | General-purpose credit card or charge cardProblem when making payments | TX | In progress | 30170706 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | MS | Closed with explanation | 30170503 |
| Oct 16 | Westlake Services, LLC | Debt collectionAttempts to collect debt not owed | MS | Closed with explanation | 30169483 |
| Oct 16 | Westlake Services, LLC | Debt collectionAttempts to collect debt not owed | MS | Closed with explanation | 30169478 |
| Oct 16 | Ally Financial Inc. | LoanManaging the loan or lease | MS | In progress | 30167448 |
| Oct 16 | Westlake Services, LLC | Auto debtAttempts to collect debt not owed | FL | Closed with explanation | 30167027 |
| Oct 16 | Kriya Capital, LLC | Telecommunications debtAttempts to collect debt not owed | FL | In progress | 30167021 |
| Oct 16 | BMW Financial Services NA, LLC | Debt collectionAttempts to collect debt not owed | MO | In progress | 30165704 |
| Oct 16 | American Credit Acceptance, LLC | LoanGetting a loan or lease | IL | In progress | 30165173 |
| Oct 16 | CCS Financial Services, Inc. | Debt collectionAttempts to collect debt not owed | MI | Closed with explanation | 30165095 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | TX | Closed with explanation | 30164989 |
| Oct 16 | Kriya Capital, LLC | Debt collectionTook or threatened to take negative or legal action | GA | In progress | 30162830 |
| Oct 16 | Westlake Services, LLC | LoanManaging the loan or lease | FL | Closed with explanation | 30161502 |
| Oct 16 | National Credit Adjusters, LLC | Debt collectionWritten notification about debt | WA | In progress | 30161497 |
| Oct 16 | I.C. System, Inc. | Debt collectionFalse statements or representation | LA | Closed with explanation | 30161459 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | TX | Closed with explanation | 30160467 |
| Oct 16 | NRA Group, LLC | Debt collectionFalse statements or representation | GA | Closed with explanation | 30159415 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionAttempts to collect debt not owed | FL | Closed with explanation | 30159298 |
| Oct 16 | Boeing Employees' Credit Union | General-purpose credit card or charge cardProblem with a purchase shown on your statement | WA | In progress | 30157380 |
| Oct 16 | BMW Financial Services NA, LLC | Debt collectionAttempts to collect debt not owed | TX | In progress | 30157342 |
| Oct 16 | American Credit Acceptance, LLC | Debt collectionAttempts to collect debt not owed | TX | In progress | 30157317 |
| Oct 16 | I.C. System, Inc. | Debt collectionTook or threatened to take negative or legal action | TX | Closed with explanation | 30156551 |
| Oct 16 | Bill.com, LLC | Domestic (US) money transferOther transaction problem | TN | In progress | 30155824 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionAttempts to collect debt not owed | NY | In progress | 30155683 |
| Oct 16 | I.C. System, Inc. | Debt collectionWritten notification about debt | OR | Closed with explanation | 30154038 |
| Oct 16 | Kriya Capital, LLC | Telecommunications debtAttempts to collect debt not owed | NY | In progress | 30153387 |
| Oct 16 | Ability Recovery Services, LLC | Debt collectionAttempts to collect debt not owed | AZ | Closed with explanation | 30150870 |
| Oct 16 | Ally Financial Inc. | LoanRepossession | OH | In progress | 30149444 |
| Oct 16 | Encore Capital Group Inc. | Debt collectionWritten notification about debt | NC | Closed with explanation | 30149193 |
| Oct 16 | Fiserv Finxact Core | Government benefit cardProblem with a purchase or transfer | CA | Closed with explanation | 30148441 |
| Oct 16 | Solar Servicing Holdings LLC | Debt collectionFalse statements or representation | CA | In progress | 30147979 |
| Oct 16 | BMW Financial Services NA, LLC | LeaseManaging the loan or lease | CA | In progress | 30144062 |
| Oct 16 | CCS Financial Services, Inc. | Other debtAttempts to collect debt not owed | CT | Closed with explanation | 30142553 |
| Oct 16 | Reliant Capital Solutions, LLC | Debt collectionWritten notification about debt | FL | Closed with explanation | 30140031 |
| Oct 16 | Harris & Harris, Ltd. | Debt collectionFalse statements or representation | IL | Closed with explanation | 30136966 |
| Oct 16 | Encore Capital Group Inc. | Debt collectionAttempts to collect debt not owed | MS | Closed with explanation | 30135355 |
| Oct 16 | Ally Financial Inc. | LoanManaging the loan or lease | FL | In progress | 30133870 |
| Oct 16 | I.C. System, Inc. | Debt collectionAttempts to collect debt not owed | GA | Closed with explanation | 30132397 |
| Oct 16 | Velocity Portfolio Group | Debt collectionWritten notification about debt | MA | In progress | 30132175 |
| Oct 16 | Encore Capital Group Inc. | Credit card debtAttempts to collect debt not owed | NY | Closed with explanation | 30131682 |
| Oct 16 | National Credit Adjusters, LLC | Debt collectionWritten notification about debt | AL | In progress | 30130587 |
| Oct 16 | Ally Financial Inc. | LoanManaging the loan or lease | SC | In progress | 30130355 |
| Oct 16 | LJ Ross Associates | Debt collectionAttempts to collect debt not owed | NJ | Closed with explanation | 30130188 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionAttempts to collect debt not owed | GA | Closed with explanation | 30129999 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionAttempts to collect debt not owed | NY | In progress | 30129716 |
| Oct 16 | Barclays Bank Delaware | General-purpose credit card or charge cardProblem with a purchase shown on your statement | NY | In progress | 30128388 |
| Oct 16 | Kriya Capital, LLC | Debt collectionAttempts to collect debt not owed | LA | In progress | 30127140 |
| Oct 16 | Kriya Capital, LLC | Debt collectionTook or threatened to take negative or legal action | TX | In progress | 30126934 |
| Oct 16 | CCS Financial Services, Inc. | Debt collectionAttempts to collect debt not owed | NY | Closed with explanation | 30126666 |
| Oct 16 | Fiserv Finxact Core | Telecommunications debtAttempts to collect debt not owed | CA | In progress | 30126482 |
| Oct 16 | Aldous & Associates, PLLC | Debt collectionTook or threatened to take negative or legal action | TX | In progress | 30126279 |
| Oct 16 | PNC Bank N.A. | Home equity loan or line of credit (HELOC)Applying for a mortgage or refinancing an existing mortgage | CO | In progress | 30125293 |
| Oct 16 | Bank of America, National Association | CD (Certificate of Deposit)Managing an account | NY | In progress | 30125175 |
| Oct 16 | LendingPoint Holdings LLC | Debt collectionFalse statements or representation | TX | In progress | 30124905 |
| Oct 16 | Encore Capital Group Inc. | Debt collectionAttempts to collect debt not owed | AL | Closed with explanation | 30123489 |
| Oct 16 | American Credit Acceptance, LLC | LeaseRepossession | FL | In progress | 30123435 |
| Oct 16 | Regions Financial Corporation | Checking accountManaging an account | AL | Closed with explanation | 30123048 |
| Oct 16 | NRA Group, LLC | Other debtAttempts to collect debt not owed | MA | Closed with explanation | 30122901 |
| Oct 16 | Barclays Bank Delaware | General-purpose credit card or charge cardGetting a credit card | CA | In progress | 30122821 |
| Oct 16 | Westlake Services, LLC | Title loanVehicle was repossessed or sold the vehicle | FL | Closed with explanation | 30122720 |
| Oct 16 | Barclays Bank Delaware | General-purpose credit card or charge cardGetting a credit card | GA | In progress | 30122430 |
| Oct 16 | Barclays Bank Delaware | Savings accountClosing an account | IN | In progress | 30122217 |
| Oct 16 | Capital Resource Management, Inc. | Medical debtAttempts to collect debt not owed | NY | Closed with explanation | 30122212 |
Most complaints in this period
- TransUnion Intermediate Holdings, Inc.5,451
- Block, Inc.2,023
- MOHELA1,619
- Paypal Holdings, Inc1,600
- Capital One Financial Corporation1,382
- JPMorgan Chase & Co.1,330
- Bank of America, National Association1,178
- Wells Fargo & Company1,178
- Citibank, N.A.916
- Chime Financial Inc914
- CL Holdings LLC817
- Nelnet, Inc.676
- Affirm Holdings, Inc650
- Synchrony Financial619
- Shellpoint Partners, LLC579
Source: the CFPB Consumer Complaint Database, complaints since December 2011. Read Oct 20, 2026. Companies appear under the name the CFPB uses; links to company pages only where that name matches one SEC-registered company exactly.