Total complaints
3
Filed since 4 )
2026 data Public-data reference. official source
late charges
3 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
3 consumer complaints filed with the CFPB
This profile shows late charges's complaint history from CFPB public records. 3 consumers have filed complaints since 4 ) . The company has a 0% timely response rate and has provided relief in 0% of cases.
3
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
3
States Active
4 )
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.
late charges complaint mix by product
- certified accounting 1 33.3% – 0% relief
- FL XXXX 1 33.3% – 0% relief
- since realizing 1 33.3% – 0% relief
How late charges's 3 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| certified accounting of all payments | 1 |
| FL XXXX | 1 |
| since realizing American Express has been fraudulently billing me and collected excessive sums of money each year from my checking account via this method | 1 |
Top States
| State | Complaints |
|---|---|
| attorney fees | 1 |
| and % is over {$55000.00} | 1 |
| reduced credit limit on my separate no annual fee American Express XXXX XXXX XXXX card ending # XXXX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| fees | 1 |
| the balance few years ago | 1 |
| again | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About late charges
late charges has accumulated 3 consumer complaints in the CFPB public database, with filings active across 3 U.S. states. Of those submissions, 3 include 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 4 ) , and the most recent logged activity is XXXX. Comp, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, late charges 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 "certified accounting of all payments", and the single most common underlying issue is "fees".
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 late charges: 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 late charges have?
late charges has received 3 consumer complaints filed with the Consumer Financial Protection Bureau.
Does late charges respond to complaints on time?
late charges has a 0% timely response rate to CFPB complaints.
What is the most common complaint about late charges?
The most common issue reported against late charges is "fees" in the "certified accounting of all payments" product category.
Read our methodology — how this data is sourced, computed, and verified.
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