Charged fees or interest you didn't expect

15.4K consumer complaints across 839 companies

This page tracks consumer complaints about "Charged fees or interest you didn't expect" filed with the CFPB. 15,374 complaints mention this issue across 839 companies. The most affected product category is "Payday loan, title loan, personal loan, or advance loan".

15.4K
Total Complaints
839
Companies
Payday loan, title loan, personal loan, or advance loan
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Enova International, Inc. 728
2 OneMain Finance Corporation 701
3 Affirm Holdings, Inc 467
4 Synchrony Financial 394
5 LDF Holdings, LLC 338
6 CCF Intermediate Holdings LLC 303
7 Big Picture Loans, LLC 297
8 Wells Fargo & Company 293
9 Paramount GR Holdings, LLC 269
10 Acima Credit, LLC 252
11 TMX Finance LLC 250
12 GVA Holdings, LLC 224
13 Rosebud Economic Development Corporation 223
14 BlueChip Financial 222
15 Opportunity Financial, LLC 200
16 Bread Financial Holdings, Inc. 185
17 American First Finance, Inc. 173
18 Uprova Credit, LLC 172
19 Harpeth Financial Services, LLC 167
20 Duvera Billing Services, LLC 165
21 CURO Intermediate Holdings 163
22 Credit Fresh Holdings Inc 158
23 Tribal Lending Enterprise, Inc. 155
24 Crow Creek Sioux Tribe 152
25 Truist Financial Corporation 150
26 Wheels Financial Group, LLC. 149
27 Mariner Finance, LLC 144
28 Wlcc 138
29 Cng Financial Corporation 135
30 Onemain Financial Holdings, LLC. 135
31 Upstart Holdings, Inc. 131
32 Upgrade, Inc. 128
33 Solar Mosaic LLC 126
34 Wolf River Development Company 119
35 Minto Financial dba Minto Money 117
36 Aqua Finance, Inc. 112
37 MoneyLion Inc. 104
38 Klarna AB 102
39 Navy Federal Credit Union 101
40 Kashia Services 101
41 Lendmark Financial Services 99
42 Mobiloans, LLC 96
43 Lending Club Corp 95
44 TD Bank Us Holding Company 93
45 Marlette Funding, LLC 91
46 Populus Financial Group, Inc. (F/K/A Ace Cash Express) 85
47 Westlake Services, LLC 84
48 Regions Financial Corporation 83
49 GreenSky, LLC 82
50 Oportun Financial Corporation 80

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Charged fees or interest you didn't expect" Complaints

The CFPB public record contains 15,374 consumer complaints tagged with the issue "Charged fees or interest you didn't expect", distributed across 839 distinct companies that have been named as the respondent on at least one filing. That breadth, spread across 839 separate respondents, points to a systemic theme across the market rather than one company's operational problem, a structural friction in how a product category is sold, serviced, or collected on.

The most common product category where "Charged fees or interest you didn't expect" is raised is "Payday loan, title loan, personal loan, or advance loan". See our methodology for how CFPB complaint routing and product-issue pairings work.

How to read complaint data responsibly

The CFPB categorizes each complaint based on the consumer's own description of the problem, so the label "Charged fees or interest you didn't expect" reflects consumer perception, not a regulatory finding. A complaint is an allegation, not proven wrongdoing, and the presence of a filing against a company does not mean that company violated any law or rule. Use this page to understand the shape of consumer concerns around "Charged fees or interest you didn't expect", then cross-check individual companies using their own CFPB profiles and the official CFPB database. For legal, financial, or regulatory advice, consult a licensed professional, this page is informational only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. This page draws directly on 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.