Fold, Inc.
23 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Fold, Inc.
Fold, Inc.'s 23 logged complaints stay concentrated: only 11 states show a filing on record. 56.5% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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.
Frequently Asked Questions
How many CFPB complaints does Fold, Inc. have?
23, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Fold, Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Fold, Inc.?
"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.