Credit determination

3.1K consumer complaints across 73 companies

This page tracks consumer complaints about "Credit determination" filed with the CFPB. 3,057 complaints mention this issue across 73 companies. The most affected product category is "Credit card".

3.1K
Total Complaints
73
Companies
Credit card
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Citibank, N.a. 617
2 Capital One Financial Corporation 414
3 Synchrony Financial 390
4 JPMorgan Chase & Co. 373
5 American Express Company 209
6 Bank of America, National Association 195
7 Wells Fargo & Company 184
8 Barclays Bank Delaware 124
9 Discover Bank 122
10 U.S. Bancorp 72
11 TD Bank Us Holding Company 53
12 First National Bank of Omaha 26
13 Paypal Holdings, Inc 25
14 United Services Automobile Association 23
15 HSBC North America Holdings Inc. 18
16 PNC Bank N.A. 16
17 Navy Federal Credit Union 14
18 Bbva Financial Corporation 14
19 Citizens Financial Group, Inc. 12
20 Fifth Third Financial Corporation 11
21 Suntrust Banks, Inc. 9
22 Santander Bank, National Association 8
23 Bread Financial Holdings, Inc. 8
24 Banco Popular De Puerto Rico 7
25 Colony Brands, Inc. 7
26 Pentagon Federal Credit Union 7
27 State Farm Bank, Fsb 6
28 Experian Information Solutions Inc. 6
29 BB&T Corporation 5
30 Huntington National Bank, the 5
31 Bank of the West 5
32 BMO Bank National Association 5
33 Army and Air Force Exchange Service 4
34 Sterling Jewelers, Inc. 4
35 Regions Financial Corporation 4
36 Equifax, Inc. 3
37 Zions Bancorporation 3
38 M&T Bank Corporation 3
39 Umb Financial Corporation 3
40 Commerce Bank 3
41 Encore Capital Group Inc. 2
42 Ally Financial Inc. 2
43 First Horizon Bank - West Congress Street Branch 2
44 Atlanticus Services Corporation 2
45 First Citizens Bancshares, Inc. 2
46 People'S United Bank, National Association 2
47 Keycorp 2
48 GreenSky, LLC 1
49 OpenRoad Lending 1
50 Popular Bank 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Credit determination" Complaints

The CFPB public record contains 3,057 consumer complaints tagged with the issue "Credit determination", distributed across 73 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 "Credit determination" is raised is "Credit card". 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 "Credit determination" 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 "Credit determination", 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.