Total complaints
1
Filed since On X
2026 data Public-data reference. official source
I had to spend 45 minutes on the phone
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows I had to spend 45 minutes on the phone's complaint history from CFPB public records. 1 consumers have filed complaints since On X. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
On X
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
I had to spend 45 minutes on the phone complaint mix by product
- I called 1 100.0% – 0% relief
How I had to spend 45 minutes on the phone's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I called regarding my inability to use the card. I had made a recent payment and had ample credit available. After a 45-minute marathon phone session | 1 |
Top States
| State | Complaints |
|---|---|
| on my own initiative | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| but the payment had already processed and been withdrawn from my bank. No explanation was given for the security freeze beyond this- no expected duration | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About I had to spend 45 minutes on the phone
I had to spend 45 minutes on the phone has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to On X, and the most recent logged activity is On XX/XX/X, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, I had to spend 45 minutes on the phone reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "I called regarding my inability to use the card. I had made a recent payment and had ample credit available. After a 45-minute marathon phone session", and the single most common underlying issue is "but the payment had already processed and been withdrawn from my bank. No explanation was given for the security freeze beyond this- no expected duration".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating I had to spend 45 minutes on the phone: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 I had to spend 45 minutes on the phone have?
I had to spend 45 minutes on the phone has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does I had to spend 45 minutes on the phone respond to complaints on time?
I had to spend 45 minutes on the phone has a 0% timely response rate to CFPB complaints.
What is the most common complaint about I had to spend 45 minutes on the phone?
The most common issue reported against I had to spend 45 minutes on the phone is "but the payment had already processed and been withdrawn from my bank. No explanation was given for the security freeze beyond this- no expected duration" in the "I called regarding my inability to use the card. I had made a recent payment and had ample credit available. After a 45-minute marathon phone session" product category.
Read our methodology — how this data is sourced, computed, and verified.
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