CFPB · Narrative-heavy record
Fold, Inc.
23 CFPB complaints · 56.5% with narratives · top issue Managing an account.
Fold, Inc.: 56.5% of 23 filings include consumer narratives. Timely 100% · relief 0% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2022 to 2026
CFPB relief outcome brief
CCDB company fold-inc
0% relief · 100% timely · 23 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Axos Financial, Inc. (0% relief)
Fold, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Fold, Inc.'s 23 filings include narrative text
56.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Fold, Inc. complaint mix by product
- Checking or 13 56.5% – 0% relief
- Prepaid card 4 17.4% – 0% relief
- Credit card 3 13.0% – 0% relief
- Credit card 2 8.7% – 0% relief
- Money transfer, 1 4.3% – 0% relief
How Fold, Inc.'s 23 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 13 |
| Prepaid card | 4 |
| Credit card or prepaid card | 3 |
| Credit card | 2 |
| Money transfer, virtual currency, or money service | 1 |
Where Fold, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 17.4% of this company's filings
Fold, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 3
- 0% vs 2022
Top States
| State | Complaints |
|---|---|
| NY | 4 |
| CA | 4 |
| OR | 3 |
| TX | 3 |
| MN | 2 |
| MI | 2 |
| SC | 1 |
| CT | 1 |
| IN | 1 |
| FL | 1 |
| VA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 10 |
| Problem with a purchase shown on your statement | 3 |
| Problem getting a card or closing an account | 2 |
| Problem with a purchase or transfer | 2 |
| Trouble using the card | 1 |
| Other transaction problem | 1 |
| Unexpected or other fees | 1 |
| Closing an account | 1 |
| Opening an account | 1 |
| Problem with a lender or other company charging your account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 3 | 100% |
| 2023 | 6 | 100% |
| 2024 | 2 | 100% |
| 2025 | 9 | 100% |
| 2026 | 3 | 100% |
Source: CFPB Consumer Complaint Database
Fold, Inc.'s narrative-rich complaint ledger
Fold, Inc.'s 23 logged complaints stay concentrated: only 11 states show a filing. 56.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-04-02.
Fold, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
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 Fold, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Fold, Inc.: 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: 23.
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 Fold, Inc. (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record