CFPB · Mid-pack issue profile

Charged upfront or unexpected fees

1.5K CFPB complaints · 323 companies · top product Debt or credit management.

1.5K CFPB complaints

"Charged upfront or unexpected fees" has 1.5K consumer complaints in the CFPB public database across 323 companies (ranks #109 of 178 by volume among indexed issue categories). Most common product: Debt or credit management. Allegations, not regulatory findings.

  • Volume rank #109 of 178
  • John C. Heath 19.7% of filings
  • Data updated June 2026
  • Mid-pack issue profile
1.5K
Total Complaints
323
Companies
Debt or credit management
Top Product

Companies with most complaints for this issue

# Company Complaints
1 John C. Heath, Attorney at Law, PLLC 301
2 Consumer Financial Services Solutions, Inc. 68
3 Experian Information Solutions Inc. 54
4 National Debt Relief LLC 48
5 Freedom Financial Network 36
6 Capital One Financial Corporation 34
7 Equifax, Inc. 33
8 Transunion Intermediate Holdings, Inc. 33
9 Encore Capital Group Inc. 32
10 Credit Sage LLC 27
11 Kikoff Inc. 27
12 Michel Law, LLC d/b/a Level One Law 27
13 Bright Capital Inc 24
14 Five Lakes Law Group PLLC 19
15 The J. G. Wentworth Company 18
16 Self Financial Inc. 17
17 Portfolio Recovery Associates, LLC 17
18 Global Client Solutions, LLC 15
19 Bank of America, National Association 15
20 Resurgent Capital Services L.P. 15
21 Bread Financial Holdings, Inc. 14
22 Citibank, N.a. 13
23 Pending Company Match 12
24 Credit Glory LLC 12
25 Block, Inc. 11
26 Synchrony Financial 10
27 ClearOne Advantage, LLC 10
28 TomoCredit Inc. 10
29 T.S. Holdings 9
30 National Credit Systems,Inc. 9
31 Olympus1 LLC 9
32 Shellpoint Partners, LLC 9
33 Mathew Aaron Holdings Inc. 8
34 CCS Financial Services, Inc. 8
35 Navy Federal Credit Union 8
36 JPMorgan Chase & Co. 8
37 Clarity Debt Resolution, Inc 8
38 Oquirrh Mountain Law Group, P.C. 8
39 Cordoba Legal Group, PLLC. 7
40 Credit Acceptance Corporation 7
41 Americor Funding, LLC 7
42 Westlake Services, LLC 6
43 Affirm Holdings, Inc 6
44 Northstar Legal Group LLC 6
45 CL Holdings LLC 6
46 Santander Holdings USA, Inc. 6
47 I.C. System, Inc. 6
48 ADS Resolve LLC 6
49 Turnbull Law Group 6
50 Paypal Holdings, Inc 5

Source: CFPB Consumer Complaint Database

What the CFPB record shows for "Charged upfront or unexpected fees"

"Charged upfront or unexpected fees" is tagged on 1,527 consumer complaints across 323 companies. No single company exceeds 19.7% of these filings.

The most common product category where "Charged upfront or unexpected fees" is raised is "Debt or credit management". Use company profiles to see relief and timely-response rates on the firms named most often. 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 "Charged upfront or unexpected fees" (#109 of 178; 323 companies). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack issue profile