Charged upfront or unexpected fees

1.5K consumer complaints across 323 companies

This page tracks consumer complaints about "Charged upfront or unexpected fees" filed with the CFPB. 1,527 complaints mention this issue across 323 companies. The most affected product category is "Debt or credit management".

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 CFPB Consumer Complaint Database

What the Data Says About "Charged upfront or unexpected fees" Complaints

The CFPB public record contains 1,527 consumer complaints tagged with the issue "Charged upfront or unexpected fees", distributed across 323 distinct companies that have been named as the respondent on at least one filing. That mid-range spread suggests the issue recurs across a meaningful slice of the market without being universal, worth checking whether it clusters inside one product category or one business model.

The most common product category where "Charged upfront or unexpected fees" is raised is "Debt or credit management". 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 upfront or unexpected fees" 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 upfront or unexpected fees", 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.