CFPB · Narrow respondent spread

Payoff process

2.3K CFPB complaints · 69 companies (narrow spread) · top product Credit card.

2.3K CFPB complaints

"Payoff process" concentrates on 69 named companies (narrow spread) with 2.3K filings · lead firm 20.3%. Allegations, not findings.

  • Volume rank #102 of 178
  • Citibank, N.a. 20.3% of filings
  • Data updated June 2026
  • Narrow respondent spread
2.3K
Total Complaints
69
Companies
Credit card
Top Product

Lead companies on "Payoff process"

# Company Complaints
1 Citibank, N.a. 471
2 Synchrony Financial 316
3 Capital One Financial Corporation 308
4 JPMorgan Chase & Co. 300
5 Bank of America, National Association 215
6 Wells Fargo & Company 134
7 American Express Company 113
8 Discover Bank 102
9 Barclays Bank Delaware 59
10 U.S. Bancorp 58
11 United Services Automobile Association 23
12 TD Bank Us Holding Company 22
13 First National Bank of Omaha 15
14 Navy Federal Credit Union 14
15 HSBC North America Holdings Inc. 13
16 Fifth Third Financial Corporation 13
17 Bread Financial Holdings, Inc. 12
18 Paypal Holdings, Inc 11
19 PNC Bank N.A. 8
20 Regions Financial Corporation 8
21 Encore Capital Group Inc. 8
22 Continental Finance Company, LLC 6
23 State Farm Bank, Fsb 6
24 Citizens Financial Group, Inc. 5
25 Portfolio Recovery Associates, LLC 5
26 Army and Air Force Exchange Service 5
27 Sterling Jewelers, Inc. 4
28 BB&T Corporation 4
29 Bbva Financial Corporation 4
30 Santander Bank, National Association 3
31 M&T Bank Corporation 3
32 Suntrust Banks, Inc. 3
33 Synovus Bank 3
34 Pentagon Federal Credit Union 2
35 Banco Popular De Puerto Rico 2
36 First Niagara Financial Group, Inc. 2
37 Commerce Bank 2
38 U.S. Bank National Association - San Francisco Main Branch 2
39 Zwicker & Associates 1
40 Alliant Capital Management LLC 1
41 FMS Inc. 1
42 Forster & Garbus LLP 1
43 First Data Corporation 1
44 ARS National Services, Inc. 1
45 Onemain Financial Holdings, LLC. 1
46 First Horizon Bank - West Congress Street Branch 1
47 Huntington National Bank, the 1
48 Firstbank Puerto Rico 1
49 First Horizon Bank 1
50 Affiliates Management Company 1

Source: CFPB Consumer Complaint Database

"Payoff process" on a narrow respondent set

"Payoff process" names only 69 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 20.3% of these filings.

Because only 69 firms are named, compare company profiles before treating "Payoff process" 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 "Payoff process" (#102 of 178; 69 companies). methodology.

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