CFPB · Narrative-heavy record
EML Payments USA, LLC
2 CFPB complaints · 100% with narratives · top issue Other features, terms, or problems.
EML Payments USA, LLC: 100% of 2 filings include consumer narratives. Timely 100% · relief 100% · top product Credit card. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2024 to 2025
CFPB relief outcome brief
CCDB company eml-payments-usa-llc
100% relief · 100% timely · 2 filings · Credit card
Same-product relief peers
Nearest relief peer: Citibank, N.a. (37% relief)
EML Payments USA, LLC closes 100% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
EML Payments USA, LLC complaint mix by product
- Credit card 1 50.0% – 100% relief
- Checking or 1 50.0% – 100% relief
How EML Payments USA, LLC's 2 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 1 |
| Checking or savings account | 1 |
Concentrated filing states for EML Payments USA, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 50% of this company's filings
EML Payments USA, LLC complaints by year
Annual filing volume from the CFPB public database
- 2025
- 1
- 0% vs 2024
Top States
| State | Complaints |
|---|---|
| NY | 1 |
| NE | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Other features, terms, or problems | 1 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database
EML Payments USA, LLC's narrative-rich complaint ledger
EML Payments USA, LLC's 2 logged complaints stay concentrated: only 2 states show a filing. 100% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2024 through 2025-05-17.
EML Payments USA, LLC answers 100% of complaints inside the CFPB's tracked window and closes 0% with a written explanation. 100% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Other features, terms, or problems."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about EML Payments USA, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for EML Payments USA, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for EML Payments USA, LLC (100% timely; 100% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record