Credit Card Issuers by Consumer Complaints (2025–26)

Among the 13 US card issuers with $10 billion or more of card loans, consumer complaints relative to those loans differ by a factor of 8.6: Bread Financial drew 199.7 credit card complaints to the CFPB per $1 billion of card loans from July 2025 through June 2026, and USAA drew 23.2. Capital One drew the most card complaints of any issuer, 14,285 of 95,526, at 57.0 per $1 billion, a lower rate than Bread Financial's.

Complaints are counted from the CFPB's Consumer Complaint Database and card loans from FDIC Call Reports for June 30, 2026. According to the CFPB, its complaints are not a statistical sample and are not representative of all consumers' experiences, so a rate here compares complaint volume with the size of each card book; it does not measure how often customers have a problem.

Credit card issuers ranked by CFPB complaints

Card complaints received July 2025 through June 2026, against each issuer's credit card loans on June 30, 2026. Each row is one issuer: the company the CFPB files complaints against, with every FDIC-insured bank its holding company owns that reports card loans. Below $1 billion of card loans a few complaints move the rate a long way, so the table shows none.

Rank	Issuer	Card complaints	Credit card loans	Complaints per $1B of card loans	FDIC-insured banks	Sources
1	Capital One (with Discover Bank)	14,285	$251 billion	57.0	Capital One	CFPB, FDIC
2	Citibank	10,884	$176 billion	61.8	Citibank	CFPB, FDIC
3	Synchrony	8,452	$90.8 billion	93.1	Synchrony Bank	CFPB, FDIC
4	JPMorgan Chase	6,768	$216 billion	31.3	JPMorgan Chase Bank	CFPB, FDIC
5	Bank of America	5,461	$106 billion	51.7	Bank of America	CFPB, FDIC
6	American Express	5,436	$113 billion	47.9	American Express National Bank	CFPB, FDIC
7	Wells Fargo	3,538	$58.4 billion	60.6	Wells Fargo Bank	CFPB, FDIC
8	Bread Financial	3,479	$17.4 billion	199.7	Comenity Capital Bank; Comenity Bank	CFPB, FDIC FDIC
9	Goldman Sachs Bank USA	2,775	$19.5 billion	142.3	Goldman Sachs Bank USA	CFPB, FDIC
10	Barclays Bank Delaware	2,686	$28.2 billion	95.2	Barclays Bank Delaware	CFPB, FDIC
11	U.S. Bancorp	1,765	$32.9 billion	53.6	U.S. Bank	CFPB, FDIC
12	TD Bank US	1,413	$13.3 billion	106.2	TD Bank USA; TD Bank	CFPB, FDIC FDIC
13	USAA	432	$18.6 billion	23.2	USAA Federal Savings Bank	CFPB, FDIC
14	First National Bank of Omaha	315	$7.8 billion	40.5	First National Bank of Omaha	CFPB, FDIC
15	Truist	291	$3.2 billion	90.7	Truist Bank	CFPB, FDIC
16	PNC Bank	242	$6.3 billion	38.3	PNC Bank	CFPB, FDIC
17	SoFi Technologies	207	$524 million	–	SoFi Bank	CFPB, FDIC
18	Fifth Third	129	$1.7 billion	76.6	Fifth Third Bank	CFPB, FDIC
19	Pinnacle Financial Partners	125	$236 million	–	Pinnacle Bank	CFPB, FDIC
20	BMO Bank	123	$813 million	–	BMO Bank	CFPB, FDIC
21	Citizens Financial Group	118	$1.9 billion	61.9	Citizens Bank	CFPB, FDIC
22	KEYCORP	82	$927 million	–	KeyBank	CFPB, FDIC
23	Regions	66	$1.5 billion	44.1	Regions Bank	CFPB, FDIC
24	Huntington National Bank	64	$1.0 billion	62.8	The Huntington National Bank	CFPB, FDIC
25	M&T Bank	48	$977 million	–	Manufacturers and Traders Trust Company	CFPB, FDIC
26	COMMERCE BANK	28	$561 million	–	Commerce Bank	CFPB, FDIC
27	UMB FINANCIAL CORPORATION	26	$352 million	–	UMB Bank	CFPB, FDIC
28	BANCO POPULAR DE PUERTO RICO	17	$1.2 billion	13.7	Banco Popular de Puerto Rico	CFPB, FDIC
29	CITY NATIONAL BANK (with RBC BANK (GEORGIA), NATIONAL ASSOCIATION)	10	$296 million	–	RBC Bank, (Georgia); City National Bank	CFPB, FDIC FDIC
30	ARVEST BANK GROUP, INC.	9	$188 million	–	Arvest Bank	CFPB, FDIC
31	FIRST CITIZENS BANCSHARES, INC.	9	$283 million	–	First-Citizens Bank & Trust Company	CFPB, FDIC
32	FIRST HORIZON BANK	9	$80 million	–	First Horizon Bank	CFPB, FDIC
33	MIDFIRST BANK	7	$24 million	–	MidFirst Bank	CFPB, FDIC
34	DOLLAR MUTUAL BANCORP	6	$77 million	–	Dollar Bank, Federal Savings Bank	CFPB, FDIC
35	FIRST HAWAIIAN, INC.	5	$227 million	–	First Hawaiian Bank	CFPB, FDIC
36	FIRSTBANK PUERTO RICO	5	$277 million	–	FirstBank Puerto Rico	CFPB, FDIC
37	UBS BANK USA	5	$315 million	–	UBS Bank USA	CFPB, FDIC
38	BEACON FINANCIAL CORPORATION	3	$39,000	–	Beacon Bank and Trust	CFPB, FDIC
39	FIRST NATIONAL BANK OF PENNSYLVANIA	3	$17 million	–	First National Bank of Pennsylvania	CFPB, FDIC
40	HANCOCK WHITNEY BANK	3	$80 million	–	Hancock Whitney Bank	CFPB, FDIC
41	NORTHWEST BANCSHARES INC	3	$43 million	–	Northwest Bank	CFPB, FDIC
42	WSFS FINANCIAL CORPORATION	3	$736,000	–	Wilmington Savings Fund Society, FSB	CFPB, FDIC
43	EAST WEST BANK	2	$4 million	–	East West Bank	CFPB, FDIC
44	FIRST FINANCIAL BANCORP	2	$33 million	–	First Financial Bank	CFPB, FDIC
45	PROSPERITY BANCSHARES, INC.	2	$19 million	–	Prosperity Bank	CFPB, FDIC
46	ASSOCIATED BANC-CORP	1	$203 million	–	Associated Bank	CFPB, FDIC
47	BANNER CORPORATION	1	$18 million	–	Banner Bank	CFPB, FDIC
48	CENTRAL BANCOMPANY, INC	1	$99 million	–	The Central Trust Bank	CFPB, FDIC
49	SIMMONS FIRST NATIONAL CORPORATION	1	$134 million	–	Simmons Bank	CFPB, FDIC

Download this table (CSV), free. The full dataset, every company with a credit card complaint and how it was matched, is one email away.

Who draws card complaints but has no rate

73% of the 95,526 credit card complaints were filed against an issuer in the table above, according to CFPB data. The rest name a company with no FDIC card loans to divide by. The largest:

Company	Card complaints	Why there is no rate
Equifax	5,097	Nationwide credit bureau
Experian	4,073	Nationwide credit bureau
TransUnion	3,923	Nationwide credit bureau
Navy Federal Credit Union	1,274	Credit union; reports to the NCUA, not the FDIC
CLGF Holdco 1	1,110	No FDIC-insured bank of this name reports card loans
Chime	928	No FDIC-insured bank of this name reports card loans
Atlanticus Services	742	No FDIC-insured bank of this name reports card loans
PayPal	565	No FDIC-insured bank of this name reports card loans
Block	507	No FDIC-insured bank of this name reports card loans
Bilt Technologies	467	No FDIC-insured bank of this name reports card loans

The three nationwide credit bureaus alone drew 14% of credit card complaints, according to CFPB data. The CFPB records the product the consumer identified in the complaint, so a complaint filed as a credit card complaint can name a company that does not lend on cards. Credit unions report to the NCUA rather than the FDIC, and a company with no FDIC-insured bank of its name has no Call Report to read.

What the rate shows

According to the CFPB, companies with more customers may have more complaints than companies with fewer, which is why it tells readers to consider company size and market share. Dividing by card loans is one way to do that with public data. Among the 13 issuers with $10 billion or more of card loans, the spread is wide: Bread Financial drew 3,479 complaints on $17.4 billion of card loans, while USAA drew 432 on $18.6 billion, by CFPB and FDIC figures.

The rate is per dollar of balances, not per account or per cardholder: two issuers with the same card loans can serve very different numbers of people.

What this means for technology buyers

For an issuer, a complaint is a service event with a regulator watching: according to the CFPB, each complaint it sends goes to the company for a response, and how the company responded is published with it. Handling them well depends on systems that see the whole customer, settle disputes and collections consistently, and decide credit in a way the issuer can explain. These guides compare the options:

• CRM for financial services: one view of the customer across servicing, disputes and complaints.
• Collections and recovery software for banks: the collection side of a card program.
• Credit decision engines for consumer lending: card approvals, limits and the reasons behind them.
• Payment gateway solutions for banks: the transaction side of a card program.

Mapping the business behind the card program? The Payments Industry Capability Model sets out what a payments business does, and the Payments Value Streams show how that work runs end to end.

More from Finantrix Atlas

• Largest banks in the US
• Largest credit unions
• FedNow participants: which banks and credit unions are live

How this list was built

Complaints. Every complaint in the CFPB's Consumer Complaint Database with the product "Credit card", counted by the date the CFPB received it, from July 1, 2025 through June 30, 2026: four full calendar quarters, ending at the latest quarter-end at least a month before the database's last update. The company is the one the CFPB filed the complaint against. The counts for the 534 companies add up to the CFPB's own total of 95,526 for the same filter, which the build checks.

Card loans. Credit card loans ("consumer loans, credit card plan") from the Call Report of every FDIC-insured bank that reports any for June 30, 2026, the quarter the window ends on, read from the FDIC's BankFind Suite. Amounts are on-balance-sheet balances at quarter-end.

Matching. The CFPB usually files a large issuer under its holding company, and the FDIC reports by bank charter. A company is matched when its name, with legal suffixes removed, equals exactly one card-lending bank's name or exactly one FDIC holding company's name; a short list of recorded aliases covers holding companies the FDIC names differently, each checked against the FDIC's current records; and a complaint name for a bank that has since merged follows the FDIC's own merger record to its successor. Complaints filed as Discover Bank, which the FDIC records as merged into Capital One, National Association on May 18, 2025, are counted with Capital One. Each match is widened to every card-lending bank under the same FDIC holding company. The dataset shows the rule behind every match.

The matched issuers hold 99% of the $1.19 trillion in card loans the FDIC reports. 3 FDIC-insured banks with $1 billion or more of card loans each, $11.2 billion between them, match no company in the complaints. Each has less than $10 billion in total assets, and the CFPB says it does not publish complaints it refers to other regulators, such as those about depository institutions of that size. The build fails if a larger bank goes unmatched.

Limits

• Complaints are what consumers report, not a sample. According to the CFPB, a complaint is published once the company responds or after 15 days, complaints are not "information" for the purposes of the Information Quality Act, and the database is not a statistical sample of consumers' experiences.
• Smaller banks are missing. The CFPB does not publish complaints it refers to other regulators, including complaints about depository institutions with less than $10 billion in assets, so those issuers cannot be ranked here.
• Card loans are one measure of size. They are balances at one quarter-end, not accounts, cardholders or purchase volume, and they leave out receivables a bank has sold.
• Only issuers with an FDIC denominator have a rate. Credit unions, the credit bureaus and companies without card loans of their own are counted, but not rated.
• One window. The data covers complaints received July 2025 through June 2026 and card loans on June 30, 2026. The CFPB's database is updated daily, so a later count for the same window can differ slightly.

Cite this

Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.

Among large US card issuers, Bread Financial drew 199.7 CFPB credit card complaints per $1 billion of card loans from July 2025 through June 2026, and USAA drew 23.2, according to a Finantrix Atlas analysis of CFPB and FDIC data.

Capital One drew the most credit card complaints to the CFPB from July 2025 through June 2026, 14,285, according to Finantrix Atlas.

Suggested citation: Finantrix Atlas, "Credit Card Issuers by Consumer Complaints," complaints received July 2025 through June 2026, from the CFPB Consumer Complaint Database and FDIC Call Reports. https://www.finantrix.com/articles/card-issuers-complaints

Embed the chart:

<a href="https://www.finantrix.com/articles/card-issuers-complaints"><img src="https://www.finantrix.com/atlas/card-issuers-complaints.png" alt="Credit card complaints per billion dollars of card loans, large US issuers, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/card-issuers-complaints">Finantrix Atlas</a>, from CFPB and FDIC data.</p>

Frequently asked questions

Q: Which credit card company has the most complaints? A: Capital One, with 14,285 of the 95,526 credit card complaints the CFPB received from July 2025 through June 2026, according to CFPB data. The CFPB notes that companies with more customers may have more complaints.

Q: Which card issuer has the most complaints relative to its size? A: Among issuers with $10 billion or more of card loans, Bread Financial, with 199.7 complaints per $1 billion of card loans, by CFPB complaint counts and FDIC Call Report figures for June 30, 2026.

Q: Which large card issuer has the fewest complaints relative to its size? A: USAA, with 23.2 complaints per $1 billion of card loans, among issuers with $10 billion or more of card loans.

Q: Are CFPB complaint counts a measure of how good a card issuer is? A: Not on their own. The CFPB says its complaints are not a representative sample and that complaint volume should be read against company size and market share. A rate per dollar of card loans adjusts for size, not for differences in customers or in how readily they complain.

Q: Why are credit bureaus in credit card complaint data? A: The CFPB records the product the consumer identified in the complaint, so a complaint filed as a credit card complaint can be about a credit bureau. The three nationwide credit bureaus drew 14% of credit card complaints from July 2025 through June 2026, according to CFPB data.