CFPB · Narrow respondent spread

Application processing delay

540 CFPB complaints · 40 companies (narrow spread) · top product Credit card.

540 CFPB complaints

"Application processing delay" concentrates on 40 named companies (narrow spread) with 540 filings · lead firm 15.6%. Allegations, not findings.

  • Volume rank #130 of 178
  • Citibank, N.a. 15.6% of filings
  • Data updated June 2026
  • Narrow respondent spread
540
Total Complaints
40
Companies
Credit card
Top Product

Lead companies on "Application processing delay"

# Company Complaints
1 Citibank, N.a. 84
2 Capital One Financial Corporation 73
3 JPMorgan Chase & Co. 68
4 American Express Company 62
5 Synchrony Financial 58
6 Bank of America, National Association 33
7 Wells Fargo & Company 32
8 Barclays Bank Delaware 29
9 Discover Bank 27
10 U.S. Bancorp 10
11 United Services Automobile Association 7
12 First National Bank of Omaha 7
13 Bbva Financial Corporation 6
14 Huntington National Bank, the 4
15 TD Bank Us Holding Company 4
16 Bread Financial Holdings, Inc. 3
17 Citizens Financial Group, Inc. 3
18 Synovus Bank 2
19 M&T Bank Corporation 2
20 Banco Popular De Puerto Rico 2
21 Santander Bank, National Association 2
22 Navy Federal Credit Union 2
23 Fifth Third Financial Corporation 2
24 Netspend Corporation 2
25 Continental Finance Company, LLC 1
26 PNC Bank N.A. 1
27 Experian Information Solutions Inc. 1
28 Umb Financial Corporation 1
29 BB&T Corporation 1
30 Equifax, Inc. 1
31 Bank of the West 1
32 HSBC North America Holdings Inc. 1
33 Comerica 1
34 Santander Bancorp 1
35 Firstbank Puerto Rico 1
36 Suntrust Banks, Inc. 1
37 Firstbank 1
38 Bank of Hawaii Corporation 1
39 BMO Bank National Association 1
40 Total Card, Inc. 1

Source: CFPB Consumer Complaint Database

"Application processing delay" on a narrow respondent set

"Application processing delay" names only 40 companies, so filings cluster on a small respondent set rather than the whole market. Respondent breadth sits in the lower third of the indexed issue corpus. No single company exceeds 15.6% of these filings.

Because only 40 firms are named, compare company profiles before treating "Application processing delay" as a category-wide pattern. The most common product category is "Credit card". Consumer wording drives the label, not a regulatory finding. See methodology for how CFPB complaint routing works.

Disclaimer: CFPB public records only. A complaint is an allegation, not proof of wrongdoing. PlainComplaint does not provide financial advice.

Data sourced from official public datasets for "Application processing delay" (#130 of 178; 40 companies). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrow respondent spread