Credit Card Interest Complaints: Which Issuers Draw the Most CFPB Complaints
Original analysis of 8,583 records from the CFPB, 2024–2026 (calendar years; 2026 January–September). Published October 22, 2026.
We counted every 2025 complaint in the CFPB's public database about a credit card that charged too much interest or raised the rate unexpectedly, and ranked the companies by count and by share of their own complaints.
What the CFPB Complaint Data Show
Synchrony Financial received 736 of the 3,172 credit card complaints about interest charges published by the CFPB for 2025 (23.2%), more than any other company. Capital One (466), Citibank (400) and Bread Financial (327) follow. These are raw counts that do not account for how many card accounts each company holds; measured against each company's own credit card complaints, Synchrony and Bread Financial, whose interest complaints concern store cards more often than any other ranked company's, also show the highest interest shares among the 12 companies with at least 50 interest complaints.
- 736Synchrony interest complaints, 2025
- 23%Synchrony's share of all 2025 interest complaints
- 23%2025 interest complaints closed with monetary relief
Synchrony leads
Synchrony Financial received 736 complaints about interest charges in 2025, 23.2% of all 3,172. Capital One ranks second with 466, Citibank third with 400 and Bread Financial fourth with 327.
Four companies, most complaints
The four largest recipients together account for 60.8% of 2025 interest complaints, although 87 companies received at least one.
Store card issuers stand out
Interest complaints make up 11.2% of Synchrony's credit card complaints and 10.9% of Bread Financial's, against 3.5% across all companies. Most of their interest complaints concern store cards (56.7% and 67.0%).
More relief than average
Companies closed 23.5% of interest complaints with monetary relief, compared with 12.7% of all published 2025 credit card complaints. The rate ranges from 8.6% at Barclays to 51.4% at Bank of America among the 12 companies with at least 50 interest complaints.
Complaints rose in 2026
From January to September 2026 the CFPB published 3,100 interest complaints, against 2,357 in the same months of 2025. Synchrony's share rose to 29.7%.
Which Credit Card Company Gets the Most Interest Complaints
Synchrony Financial received more complaints about credit card interest charges in 2025 than any other company: 736 of 3,172.
Synchrony (736), then Capital One (466), Citibank (400) and Bread Financial (327).
The ranking counts complaints received by the CFPB in 2025 in which the consumer chose the product "Credit card", the issue "Fees or interest" and one of two sub-issues: "Charged too much interest" (2,406 complaints) or "Unexpected increase in interest rate" (766). Complaints about fees alone are not included. Companies appear as the CFPB names them; the CFPB sends each complaint to the company the consumer identified, so the list includes a few credit bureaus and other companies that are not card issuers.
Capital One completed its acquisition of Discover in May 2025, but the database lists Discover Bank separately (85 interest complaints). Combined, the two account for 551, still fewer than Synchrony. Synchrony issues many store-branded cards; 417 of its 736 interest complaints (56.7%) concern a store credit card.
These are raw counts. Companies with more card accounts tend to receive more complaints of every kind, and the CFPB advises considering company size and market share when looking at complaint volume.
CFPB credit card interest complaints by company, 2025
- SYNCHRONY FINANCIAL73623.2% of interest complaints · 417 about store cards
- CAPITAL ONE FINANCIAL CORPORATION46614.7% of interest complaints · 24 about store cards
- CITIBANK, N.A.40012.6% of interest complaints · 119 about store cards
- Bread Financial Holdings, Inc.32710.3% of interest complaints · 219 about store cards
- JPMORGAN CHASE & CO.1855.8% of interest complaints · 3 about store cards
- AMERICAN EXPRESS COMPANY1745.5% of interest complaints · 2 about store cards
- BANK OF AMERICA, NATIONAL ASSOCIATION1113.5% of interest complaints · 0 about store cards
- WELLS FARGO & COMPANY993.1% of interest complaints · 18 about store cards
- NAVY FEDERAL CREDIT UNION872.7% of interest complaints · 1 about store cards
- DISCOVER BANK852.7% of interest complaints · 0 about store cards
- GOLDMAN SACHS BANK USA722.3% of interest complaints · 3 about store cards
- BARCLAYS BANK DELAWARE581.8% of interest complaints · 3 about store cards
All 87 companies
- U.S. BANCORP451.4% of interest complaints · 0 about store cards
- CLGF Holdco 1, LLC311.0% of interest complaints · 2 about store cards
- UNITED SERVICES AUTOMOBILE ASSOCIATION280.9% of interest complaints · 0 about store cards
- Atlanticus Services Corporation230.7% of interest complaints · 5 about store cards
- TD BANK US HOLDING COMPANY200.6% of interest complaints · 17 about store cards
- Army and Air Force Exchange Service170.5% of interest complaints · 16 about store cards
- Continental Finance Company, LLC160.5% of interest complaints · 0 about store cards
- TRUIST FINANCIAL CORPORATION130.4% of interest complaints · 0 about store cards
- Avant Holding Company, Inc.110.3% of interest complaints · 0 about store cards
- Imprint Payments, Inc.100.3% of interest complaints · 8 about store cards
- FIRST NATIONAL BANK OF OMAHA80.3% of interest complaints · 0 about store cards
- BMO BANK NATIONAL ASSOCIATION70.2% of interest complaints · 0 about store cards
- Affirm Holdings, Inc60.2% of interest complaints · 2 about store cards
- Resurgent Capital Services L.P.60.2% of interest complaints · 1 about store cards
- UPGRADE, INC.60.2% of interest complaints · 0 about store cards
- ACIMA CREDIT, LLC50.2% of interest complaints · 4 about store cards
- Block, Inc.40.1% of interest complaints · 0 about store cards
- CITIZENS FINANCIAL GROUP, INC.40.1% of interest complaints · 0 about store cards
- Experian Information Solutions Inc.40.1% of interest complaints · 0 about store cards
- FIFTH THIRD FINANCIAL CORPORATION40.1% of interest complaints · 0 about store cards
- HEARTLAND PAYMENT SYSTEMS INC40.1% of interest complaints · 0 about store cards
- OneMain Finance Corporation40.1% of interest complaints · 0 about store cards
- SUNCOAST CREDIT UNION40.1% of interest complaints · 0 about store cards
- ALLIANT CREDIT UNION30.1% of interest complaints · 0 about store cards
- ALLY FINANCIAL INC.30.1% of interest complaints · 0 about store cards
- CL Holdings LLC30.1% of interest complaints · 1 about store cards
- COMMERCE BANK30.1% of interest complaints · 0 about store cards
- Colony Brands, Inc.30.1% of interest complaints · 3 about store cards
- ENCORE CAPITAL GROUP INC.30.1% of interest complaints · 2 about store cards
- EQUIFAX, INC.30.1% of interest complaints · 0 about store cards
- HUNTINGTON NATIONAL BANK, THE30.1% of interest complaints · 0 about store cards
- PENTAGON FEDERAL CREDIT UNION30.1% of interest complaints · 0 about store cards
- PNC Bank N.A.30.1% of interest complaints · 0 about store cards
- Paypal Holdings, Inc30.1% of interest complaints · 2 about store cards
- Prosper Marketplace, Inc.30.1% of interest complaints · 0 about store cards
- SANTANDER HOLDINGS USA, INC.30.1% of interest complaints · 0 about store cards
- TRANSUNION INTERMEDIATE HOLDINGS, INC.30.1% of interest complaints · 0 about store cards
- Absolute Resolutions Corp.20.1% of interest complaints · 0 about store cards
- BANCO POPULAR DE PUERTO RICO20.1% of interest complaints · 0 about store cards
- BOEING EMPLOYEES' CREDIT UNION20.1% of interest complaints · 0 about store cards
- FIRST PORTFOLIO SERVICING INC20.1% of interest complaints · 0 about store cards
- GREENSKY OPERATIONS, LLC20.1% of interest complaints · 1 about store cards
- Marlette Funding, LLC20.1% of interest complaints · 0 about store cards
- Mercury Financial Intermediate LLC20.1% of interest complaints · 0 about store cards
- ROBINHOOD MARKETS INC.20.1% of interest complaints · 0 about store cards
- Self Financial Inc.20.1% of interest complaints · 0 about store cards
- Sunbit, Inc.20.1% of interest complaints · 0 about store cards
- Universal Account Servicing, LLC20.1% of interest complaints · 1 about store cards
- VYSTAR CREDIT UNION20.1% of interest complaints · 0 about store cards
- ADIR INTERNATIONAL LLC10.0% of interest complaints · 1 about store cards
- AES/PHEAA10.0% of interest complaints · 0 about store cards
- Bilt Technologies, Inc.10.0% of interest complaints · 0 about store cards
- Capital Accounts, LLC10.0% of interest complaints · 0 about store cards
- Chime Financial Inc10.0% of interest complaints · 0 about store cards
- Coinbase, Inc.10.0% of interest complaints · 0 about store cards
- DOLLAR MUTUAL BANCORP10.0% of interest complaints · 0 about store cards
- DigniFi10.0% of interest complaints · 0 about store cards
- Garrison Investment Group10.0% of interest complaints · 1 about store cards
- Halsted Financial Services, LLC.10.0% of interest complaints · 0 about store cards
- John C. Heath, Attorney at Law, PLLC10.0% of interest complaints · 0 about store cards
- KEYCORP10.0% of interest complaints · 0 about store cards
- Klarna AB10.0% of interest complaints · 0 about store cards
- Kriya Capital, LLC10.0% of interest complaints · 0 about store cards
- Law Office of Michael J. Scott, PC10.0% of interest complaints · 0 about store cards
- Monterey Financial Services LLC10.0% of interest complaints · 1 about store cards
- OPORTUN FINANCIAL CORPORATION10.0% of interest complaints · 0 about store cards
- RC Willey10.0% of interest complaints · 1 about store cards
- Revolut Technologies Inc.10.0% of interest complaints · 0 about store cards
- SECURITY FINANCE CORP10.0% of interest complaints · 0 about store cards
- SUNRISE CREDIT SERVICES, INC10.0% of interest complaints · 0 about store cards
- Security Credit Services, LLC10.0% of interest complaints · 0 about store cards
- Synovus Bank10.0% of interest complaints · 0 about store cards
- TRANSWORLD SYSTEMS INC10.0% of interest complaints · 1 about store cards
- Westcreek Financial10.0% of interest complaints · 1 about store cards
- Winklevoss Exchange LLC10.0% of interest complaints · 0 about store cards
Which Card Issuers Have the Highest Share of Interest Complaints
Among companies with at least 50 interest complaints, measured against each company's own credit card complaints, Synchrony (11.2%) and Bread Financial (10.9%) stand apart; across all companies the share is 3.5%.
Among the 12 companies with at least 50 interest complaints, Synchrony has the highest share at 11.2%, followed by Bread Financial at 10.9%.
Dividing interest complaints by all credit card complaints about the same company partly removes the effect of company size, because both counts grow with the number of customers. Capital One, with 9,923 credit card complaints in 2025 the company with the most credit card complaints, has an interest share of 4.7%; Citibank's is 4.6%.
The share also reflects what else customers complain about. A company with many complaints about credit reporting or fraud will show a lower interest share even if its interest complaints are numerous. Only companies with at least 50 interest complaints in 2025 are compared here; all others are in the full company file.
Interest complaints as a share of each company's credit card complaints, 2025
| Company | Interest | All card | Share |
|---|---|---|---|
| SYNCHRONY FINANCIAL | 736 | 6,570 | 11.2% |
| Bread Financial Holdings, Inc. | 327 | 3,006 | 10.9% |
| NAVY FEDERAL CREDIT UNION | 87 | 1,288 | 6.8% |
| CAPITAL ONE FINANCIAL CORPORATION | 466 | 9,923 | 4.7% |
| CITIBANK, N.A. | 400 | 8,620 | 4.6% |
| AMERICAN EXPRESS COMPANY | 174 | 4,714 | 3.7% |
| WELLS FARGO & COMPANY | 99 | 2,719 | 3.6% |
| JPMORGAN CHASE & CO. | 185 | 5,951 | 3.1% |
| GOLDMAN SACHS BANK USA | 72 | 2,357 | 3.1% |
| DISCOVER BANK | 85 | 2,830 | 3.0% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 111 | 4,142 | 2.7% |
| BARCLAYS BANK DELAWARE | 58 | 2,248 | 2.6% |
How Often Interest Complaints End With Monetary Relief
Companies reported monetary relief in 23.5% of 2025 interest complaints, compared with 12.7% of all published credit card complaints.
745 of 3,172 interest complaints (23.5%) were closed with monetary relief; the CFPB reports 12% for all credit card complaints sent to companies.
When a company closes a complaint, it reports one of several outcomes to the CFPB. "Closed with monetary relief" means the company reported providing measurable monetary relief to the consumer as a direct result of the complaint, such as a refund of interest. The outcome is reported by the company and not verified by us.
The CFPB's annual report gives 12% as the monetary relief share for all credit card complaints it sent to companies in 2025. That figure includes complaints closed with an administrative response, which are partly not published, so the like-for-like comparison is with 12.7% of published credit card complaints. Among the 12 companies with at least 50 interest complaints, Bank of America reported monetary relief most often (51.4%) and Barclays least often (8.6%). Synchrony reported relief in 28.4% of its interest complaints, Capital One in 11.4%.
Interest complaints closed with monetary relief, 2025
| Company | Interest | Relief | Relief rate |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 111 | 57 | 51.4% |
| AMERICAN EXPRESS COMPANY | 174 | 56 | 32.2% |
| NAVY FEDERAL CREDIT UNION | 87 | 28 | 32.2% |
| Bread Financial Holdings, Inc. | 327 | 100 | 30.6% |
| SYNCHRONY FINANCIAL | 736 | 209 | 28.4% |
| GOLDMAN SACHS BANK USA | 72 | 19 | 26.4% |
| CITIBANK, N.A. | 400 | 97 | 24.3% |
| WELLS FARGO & COMPANY | 99 | 20 | 20.2% |
| DISCOVER BANK | 85 | 16 | 18.8% |
| JPMORGAN CHASE & CO. | 185 | 33 | 17.8% |
| CAPITAL ONE FINANCIAL CORPORATION | 466 | 53 | 11.4% |
| BARCLAYS BANK DELAWARE | 58 | 5 | 8.6% |
Are Credit Card Interest Complaints Rising
Interest complaints rose from 2,311 in 2024 to 3,172 in 2025, and January to September 2026 already brought 3,100.
Yes: 3,100 from January to September 2026 against 2,357 in the same months of 2025, 31.5% more.
Interest complaints grew faster than credit card complaints overall. Their share of all credit card complaints went from 3.0% in 2024 to 3.5% in 2025, and from 3.5% in January to September 2025 to 4.2% in the same months of 2026.
Synchrony again received the most interest complaints from January to September 2026 (921, 29.7% of the total), followed by Citibank (432). The series starts in 2024 because the CFPB introduced the current credit card complaint categories in August 2023.
CFPB credit card interest complaints by period, 2024–2026
- 20242,3113.0% of credit card complaints
- 20253,1723.5% of credit card complaints
- 2025 (Jan–Sep)2,3573.5% of credit card complaints
- 2026 (Jan–Sep)3,1004.2% of credit card complaints
2026 covers January through September only and is compared with the same months of 2025.
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- CFPB credit card interest complaints by company, 2025Every company that received at least one 2025 CFPB credit card complaint about being charged too much interest or an unexpected interest rate increase, with its total credit card complaints and the share closed with monetary relief. · 87 rows · CSV, 5 KB
- CFPB credit card interest complaints by company, January–September 2026The same company counts for complaints received from January through September 2026 (partial year). · 88 rows · CSV, 5 KB
- CFPB credit card interest complaints by month, January 2024 – September 2026Monthly counts of interest complaints and of all credit card complaints by date received. · 33 rows · CSV, 1 KB
- CFPB credit card interest complaints by year, 2024–2026Interest complaints and all credit card complaints per calendar year, with January–September of 2025 and 2026 for a like-for-like comparison. · 4 rows · CSV, 1 KB
- Interest complaints as a share of each company's credit card complaints, 2025Companies with at least 50 interest complaints in 2025, with interest complaints as a share of all their credit card complaints, monetary relief rate and store card share. · 12 rows · CSV, 1 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 24 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 237 KB
Charts for your story
CFPB credit card interest complaints by company, 2025
Embed this chart
Interest complaints as a share of each company's credit card complaints, 2025
Embed this chart
Interest complaints closed with monetary relief, 2025
Embed this chart
CFPB credit card interest complaints by period, 2024–2026
Embed this chart
How to cite
Goldberg, L. (2026). CFPB Credit Card Interest Complaints by Company — Counts, Shares and Monetary Relief (2024–2026) [Data set]. Settlement Insight. https://settlementinsight.com/research/credit-card-interest-complaints-by-issuer
BibTeX
@dataset{goldberg_2026_credit_card_interest_complaints_by_issuer,
author = {Goldberg, Leonard},
title = {CFPB Credit Card Interest Complaints by Company --- Counts, Shares and Monetary Relief (2024--2026)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/credit-card-interest-complaints-by-issuer}
}How We Measured
Checked against published figures
- Share of 2025 credit card complaints sent to companies that were closed with monetary relief (published complaints closed with monetary relief, received in 2025, divided by the approximately 94,900 credit card complaints the CFPB reports sending to companies; complaints closed as 'Alerted CFPB' are not published): published 12%, our count 12.0% (exact match).Consumer Response Annual Report, January 1 – December 31, 2025 (CFPB, March 2026)
Full method and limits of the data
An interest complaint is a complaint with the product "Credit card", the issue "Fees or interest" and the sub-issue "Charged too much interest" or "Unexpected increase in interest rate", as chosen by the consumer. Each row of the database is one published complaint; the CFPB does not count or publish complaints that companies return as duplicates. Companies are counted under the name the CFPB uses, without merging affiliates.
For each company we divided its interest complaints by all its credit card complaints received in the same period, and its interest complaints closed with monetary relief by its interest complaints. Comparisons of shares and relief rates are limited to companies with at least 50 interest complaints in 2025.
To check the data against the CFPB's own reporting, we divided the published credit card complaints received in 2025 and closed with monetary relief (11,385) by the number of credit card complaints the CFPB reports sending to companies in 2025. The result matches the 12% monetary relief share in the CFPB's Consumer Response Annual Report 2025.
What this data cannot tell you
- Complaint counts do not account for company size. Issuers with more card accounts tend to receive more complaints; the CFPB itself notes that the database is not a statistical sample of consumers' experiences.
- A complaint is the consumer's account and is not proof that a company charged interest incorrectly. The sub-issue is chosen by the consumer, and the outcome, including monetary relief, is reported by the company.
- The database does not include complaints the CFPB referred to other regulators, such as complaints about banks with less than $10 billion in assets, or complaints closed with the administrative response "Alerted CFPB". Smaller card issuers are therefore underrepresented.
- Affiliated companies are not combined: Discover Bank is listed separately from Capital One although Capital One acquired Discover in May 2025.
- Figures for 2026 cover January through September and include recent months. Complaints are published up to 15 days after the CFPB sends them, and outcomes can change while a company is still reviewing a complaint, so the latest months may still be revised slightly.
Frequently Asked Questions
Which credit card company gets the most complaints about interest?
Synchrony Financial received 736 of the 3,172 credit card complaints about interest charges that the CFPB published for 2025, more than any other company. Capital One (466) and Citibank (400) follow. The counts do not account for company size.
How many Synchrony credit card complaints are about interest?
In 2025, 736 of Synchrony's 6,570 credit card complaints to the CFPB were about being charged too much interest or an unexpected rate increase, a share of 11.2%. Across all companies, the share was 3.5%.
Do store credit cards get more interest complaints?
Synchrony and Bread Financial, the ranked companies whose interest complaints most often concern store cards, have the highest share of interest complaints among companies with at least 50 such complaints: 11.2% and 10.9% of their credit card complaints. Most of their interest complaints name a store credit card.
Does complaining to the CFPB about credit card interest get results?
Companies reported closing 23.5% of 2025 interest complaints with monetary relief, compared with 12.7% of all published credit card complaints. Among the 12 companies with at least 50 interest complaints, the rate ranges from 8.6% at Barclays to 51.4% at Bank of America.
Are credit card interest complaints increasing?
Yes. The CFPB published 3,100 interest complaints for January to September 2026, compared with 2,357 for the same months of 2025. Their share of all credit card complaints rose from 3.5% to 4.2%.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Consumer Response Annual Report, January 1 – December 31, 2025 — Consumer Financial Protection Bureau
- How we use complaint data — Consumer Financial Protection Bureau
- Capital One Completes Acquisition of Discover — Capital One Financial Corporation
Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
More Research and Data
Other studies from our database of public legal records — each with free CSV downloads.
Related research
Latest studies
- Clayton lenders in mobile home complaintsTwo Clayton Homes lenders account for 44.3% of CFPB manufactured home loan complaints
- Earned Wage Access ComplaintsDave leads: 65 of 1,177 CFPB earned wage access and advance complaints
- Gift Card Complaints by CompanyAmerican Express: 50.6% of CFPB gift card complaints in 2024–2025, the most of any company
- Health Agency Data Breaches22.7 million individuals affected in federal and state health agency breaches reported to HHS since 2009