CFPB · Narrow respondent spread

Credit determination

3.1K CFPB complaints · 73 companies (narrow spread) · top product Credit card.

3.1K CFPB complaints

"Credit determination" concentrates on 73 named companies (narrow spread) with 3.1K filings · lead firm 20.2%. Allegations, not findings.

  • Volume rank #91 of 178
  • Citibank, N.a. 20.2% of filings
  • Data updated June 2026
  • Narrow respondent spread
3.1K
Total Complaints
73
Companies
Credit card
Top Product

Lead companies on "Credit determination"

# 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

"Credit determination" on a narrow respondent set

"Credit determination" names only 73 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 20.2% of these filings.

Because only 73 firms are named, compare company profiles before treating "Credit determination" 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 "Credit determination" (#91 of 178; 73 companies). methodology.

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