Card issuer · complaint record
Cred.ai complaints
Filed under CRED Technologies dba cred.ai
Consumers have filed 49 complaints about Cred.ai since 2021, 4 of them in the last 12 months (-64% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is problem with a purchase shown on your statement. It is the 30th most complained-about of 52 credit card companies this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 49
- Last 12 months
- 4
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #30 of 52
Since June 2021
-64% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Oct 9, 2026
Most complained-about credit card companies
Cred.ai complaints by month
The busiest month was January 2023 (3 complaints). Complaints in the last 12 months are down 64% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cred.ai answered all time
- Closed with monetary relief48.2%
- Closed with explanation4489.8%
- In progress12%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Cred.ai complaints are about
Top Cred.ai problems
Inside "Problem with a purchase shown on your statement"
- Card was charged for something you did not purchase with the card 9
- Credit card company isn't resolving a dispute about a purchase on your statement 6
Where Cred.ai complaints come from
Most complaints: California (10), Texas (9), Florida (5), North Carolina (3), Washington (3).
Cred.ai compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 2 | ExtoCredit cards | 36 | 201 | D |
| 3 | TomoCreditCredit cards | 50 | 92 | C |
| 4 | ZendableCredit cards | 58 | 48 | C |
| 5 | FizzCredit cards | 0 | 42 | F |
| 6 | Fidem BaltimoreCredit cards | 45 | 36 | D |
| 7 | Total CardCredit cards | 45 | 31 | D |
| 8 | Cred.aiCredit cards | - | 4 | - |
Compare side by side: Cred.ai vs Mercury Financial Intermediate · Cred.ai vs Exto · Cred.ai vs TomoCredit · Cred.ai vs Zendable
What people say about Cred.ai
All experiencesNo experiences with Cred.ai yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cred.ai complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 9, 2026 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | In progress |
| Jun 26, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Apr 14, 2026 | Bank accounts | Opening an accountAccount opened without my consent or knowledge | Explained |
| Feb 18, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Aug 15, 2025 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Jul 23, 2025 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Jul 3, 2025 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Jun 11, 2025 | Prepaid & gift cards | Trouble using the cardTrouble getting information about the card | Explained |
| May 31, 2025 | Prepaid & gift cards | Trouble using the cardTrouble getting information about the card | Explained |
| Apr 15, 2025 | Credit cards | Trouble using your cardCan't use card to make purchases | Explained |
| Mar 22, 2025 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Mar 18, 2025 | Credit cards | Getting a credit cardApplication denied | Explained |
Questions about Cred.ai
How many complaints does Cred.ai have?
Cred.ai has 49 complaints on record since June 2021, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does Cred.ai respond to complaints?
Yes. Cred.ai answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Cred.ai?
The most common problems are problem with a purchase shown on your statement (15), closing your account (3), opening an account (2).
Is Cred.ai legit?
Cred.ai is a real company with a public complaint record: consumers have complained about it 49 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cred.ai legit? for the signals, red flags and how to protect yourself.
Are complaints about Cred.ai going up or down?
Down. There were 4 complaints in the last 12 months against 11 in the 12 before (-64%). See every month.
How do I file a complaint against Cred.ai?
Complain to Cred.ai in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Cred.ai complaints come from?
Most come from California (10), Texas (9), Florida (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (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
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