Total complaints
14
Filed since ( 2
2026 data Public-data reference. official source
late fees
14 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
14 consumer complaints filed with the CFPB
This profile shows late fees's complaint history from CFPB public records. 14 consumers have filed complaints since ( 2 . The company has a 0% timely response rate and has provided relief in 0% of cases.
14
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
13
States Active
( 2
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 fees complaint mix by product
- at that 1 14.3% – 0% relief
- 15 U.S.C. 1 14.3% – 0% relief
- XXXX contacted 1 14.3% – 0% relief
- a supervisor 1 14.3% – 0% relief
- please provide 1 14.3% – 0% relief
- this account 1 14.3% – 0% relief
- finance charge- 1 14.3% – 0% relief
How late fees's 14 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| at that point I was 6 months behind. I offered to pay 2 months payments {$1200.00} that friday ( 2 days ) and a full payment every 2 weeks of {$640.00} for the current months payment due and to catch up on the payments behind | 1 |
| 15 U.S.C. 1681s2 | 1 |
| XXXX contacted AmEx regarding the liquidation of my Reward Dollars ( RD ) account on XX/XX/XXXX without paying off any charges | 1 |
| a supervisor who PROMISED me that my XXXX payment would be withdrawn from my new checking account. I was told that they could not issue anything to me via phone request to have the NSF fee of {$32.00} refunded back to my old checking account. I was told I had to write in. I tried that and was given an incorrect email address. When no payment was made as promised by XXXX and when I could not successfully reach anyone | 1 |
| please provide the following documents to me by mail | 1 |
| this account must be verified with the following : 1. A copy of the original signed contract or agreement that includes my signature 2. A complete account history showing accurate balance | 1 |
| finance charge- {$14000.00} | 1 |
| tax bill | 1 |
| since I opted not to pay by allotment later within the contract due to financial hardship | 1 |
| I received a foreclosure notice giving me only 30 days to respond. Despite engaging an attorney | 1 |
| WI XXXX Account ending in : XXXX VIN : XXXX Vehicle : XXXXXXXX XXXX XXXX XXXX. Dear XXXX XXXX : We have been recently notified of a Total Loss Claim concerning the above-mentioned vehicle. We understand experiencing an accident can be difficult and we are here to help facilitate your claim processing as quickly as possible working in conjunction with your insurance provider. If you havent previously provided us with your insurance company name and the date of the accident | 1 |
| I finished the factory reset on my phone that my husband had recommended I do for security purposes. The fraud investigator called me and asked how my day was going. I told him not well. He basically heard from me what happened and then said that they see this type of fraud a lot. He said this is a really common scheme and seemed to know exactly how this worked. I told him that I hadnt given the caller my information and that the man was clearly already in my account because he had all my information. He told me that they wouldnt cover our lost funds and that he could try and request the funds returned from the banks they were transferred to. I said that sounded unlikely to work but would fill out the paperwork right away that he was sending me for that | 1 |
| and before the loan transaction is consummated | 1 |
| I was denied. The Bank of America XXXX asked only XXXX questions : What is your monthly income? '' and What is your rent? '' Based solely on these XXXX data points | 1 |
Top States
| State | Complaints |
|---|---|
| interest charges | 2 |
| attorney fees | 1 |
| insurance | 1 |
| and never refunded the NSF fee they claimed would be mailed to me via a check. I did not request this refund check. I need something from them stating that I should have never been charged an NSF fee so that I can undo all the damage to the old checking account that they have caused. In addition to all of these fees/interest | 1 |
| etc. ) Monthly statements from the last time there was a XXXX balance | 1 |
| and charges 4. Legal chain of assignment | 1 |
| high interest rates ) I understand that XXXX is a main candidate in the subprime auto lending industry but I am accussing them of violating laws that prohibit outrageous or dishonest business practices by writing loans they know are destined to fail | 1 |
| and interest. | 1 |
| and misrepresent the APR cap. | 1 |
| and legal charges totaling {$4600.00} as of XX/XX/XXXX. Because I have not been sending payments of {$620.00} monthly I have already provided proof | 1 |
| or additional interest accrual per the terms of your loan. We also show you have Gap waiver/insurance. To ensure your Gap claim is processed timely | 1 |
| etc from other institutions for the insufficient funds | 1 |
| penalties | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| XXXX | 1 |
| I dispute the accuracy and completeness of the information you are furnishing and hereby demand that you provide the following documentation : 1. A complete itemized accounting showing how the alleged {$9100.00} balance was calculated | 1 |
| without my consent. Bumped up several layers of management and finally informed of AmEx 's irresponsible approach to RD accounting and convenient | 1 |
| that they would consider waiving the late fee. That is only when I learned that I was charged a late fee for something that wasn't even my fault. I wrote in called on XX/XX/XXXX | 1 |
| showing my responsibility | 1 |
| last activity | 1 |
| total sale price including down payment- $ XXXX {$29000.00} | 1 |
| it eventually paid the fee after it had accrued late fees as well as collection fees. Freedom employees have claimed that they will note my account to have the escrow analysis updated to include this fee. However | 1 |
| excessive late charges added | 1 |
| forcing me into a temporary payment plan initially set at {$240.00} per month. By mid XXXX | 1 |
| we will collect the relevant documentation from your insurance provider to expedite the handling of your claim. Here is what we expect from the process going forward. We will request the following documents from your insurance provider ( which will be required in order to process your claim ) : Evaluation report. Settlement breakdown. Police report or Cause of loss letter for XXXX claim processing. Upon receipt of these documents | 1 |
| which was shocking and unnerving. I had no information as to how or when my online account will be unfrozen. I was left trying to figure out on my own which bills | 1 |
| clearly and conspicuously ( A ) the applicable rate of interest in effect on the date of approval ; ( B ) whether the rate of interest applicable to the private education loan is fixed or variable ; ( C ) limitations on interest rate adjustments | 1 |
| including : Utilities ( gas | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About late fees
late fees has accumulated 14 consumer complaints in the CFPB public database, with filings active across 13 U.S. states. Of those submissions, 14 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 ( 2 , and the most recent logged activity is XXXX consi, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, late fees 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 "at that point I was 6 months behind. I offered to pay 2 months payments {$1200.00} that friday ( 2 days ) and a full payment every 2 weeks of {$640.00} for the current months payment due and to catch up on the payments behind", and the single most common underlying issue is "XXXX".
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 fees: 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 fees have?
late fees has received 14 consumer complaints filed with the Consumer Financial Protection Bureau.
Does late fees respond to complaints on time?
late fees has a 0% timely response rate to CFPB complaints.
What is the most common complaint about late fees?
The most common issue reported against late fees is "XXXX" in the "at that point I was 6 months behind. I offered to pay 2 months payments {$1200.00} that friday ( 2 days ) and a full payment every 2 weeks of {$640.00} for the current months payment due and to catch up on the payments behind" product category.
Read our methodology — how this data is sourced, computed, and verified.
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