Credit cards

Credit cards complaints Credit card companies ranked

Consumers filed 95,773 complaints about credit card companies in the last 12 months (+8% on the year before). Disputed charges, surprise fees and interest, closed accounts, rewards and getting approved. The most complained-about is Capital One.

Last 12 months: 95,773
Last 30 days: 5,719
Answered on time: 98.7%
Closed with relief: 26%
Money back: 16.2%
Companies: 1,303

Most complained-about credit card companies

#	Company	12 months	Change	On time	Relief	All time
1	Capital One	14,231	+52%	99.9%	22%	71,421
2	Citibank	12,511	+54%	99.9%	42%	69,867
3	Synchrony	9,417	+55%	95.9%	20%	46,487
4	JPMorgan Chase	7,363	+30%	100%	21%	48,168
5	Bank of America	6,335	+62%	99.3%	39%	37,295
6	American Express	5,838	+29%	98.7%	23%	33,782
7	Wells Fargo	3,702	+44%	99.9%	27%	19,609
8	Bread Financial (Comenity)	3,690	+29%	100%	47%	21,535
9	Goldman Sachs Bank (Apple Card, Marcus)	3,156	+36%	100%	27%	10,467
10	Barclays US	2,871	+36%	100%	7%	18,152
11	U.S. Bank	2,011	+50%	100%	33%	11,339
12	TransUnion	1,897	-74%	100%	57%	19,687
13	Experian	1,847	-73%	100%	7%	18,531
14	Equifax	1,643	-82%	100%	43%	20,694
15	TD Bank	1,423	+21%	100%	30%	8,870
16	Navy Federal Credit Union	1,247	-4%	100%	24%	5,831
17	Discover	1,213	-55%	100%	20%	19,380
18	Chime	1,163	+88%	100%	8%	2,905
19	CLGF Holdco 1	1,118	+13%	99.9%	16%	4,066
20	Atlanticus	845	+51%	100%	60%	2,923
21	Robinhood	683	+494%	97.5%	0%	856
22	PayPal	606	+84%	100%	44%	2,578
23	Bilt Technologies	590	+1,495%	81%	10%	632
24	Block (Cash App)	508	+5%	99.2%	1%	1,834
25	Affirm	457	+60%	100%	0%	1,070

Most likely to give relief

Least likely to give relief

Credit cards complaints by month

2023202420252026

Latest full monthThis month so farPeak: 9,594 in October 2026

What people complain about

Credit cards complaints by state

Per 100,000 people, last 12 monthsFewerMore

Your rights with credit card companies

Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.

Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.

General information, not legal advice; rules vary by state. Plain-English guides

Guides

Checking a companyHow to spot financial scamsThe warning signs of the most common money scams, and what to do right away if you have been scammed.8 min read Banking & paymentsPayment app scams and refunds: Zelle, Cash App, Venmo, PayPalWhat to do if you lose money on Zelle, Cash App, Venmo or PayPal, when the law requires a refund, and the scams to watch for.9 min read Banking & paymentsHow to dispute a credit card chargeDispute a wrong, unauthorized or undelivered credit card charge, with the deadlines your card issuer has to meet.7 min read Filing a complaintHow to file a complaint against a bank or financial companyGather records, complain in writing, then escalate to the right regulator if the company does not fix it.8 min read Filing a complaintCompany response types explainedWhat each complaint response label means, why "closed" is not always "fixed", and how to read a company's record.7 min read

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Complaint records are public consumer complaints filed with U.S. regulators, checked 3 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works