Struggling to pay your bill

6.6K consumer complaints across 222 companies

This page tracks consumer complaints about "Struggling to pay your bill" filed with the CFPB. 6,649 complaints mention this issue across 222 companies. The most affected product category is "Credit card or prepaid card".

6.6K
Total Complaints
222
Companies
Credit card or prepaid card
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Capital One Financial Corporation 1.4K
2 Citibank, N.a. 581
3 Synchrony Financial 478
4 JPMorgan Chase & Co. 477
5 Discover Bank 429
6 Bank of America, National Association 406
7 Bread Financial Holdings, Inc. 401
8 American Express Company 304
9 Wells Fargo & Company 217
10 Barclays Bank Delaware 208
11 Navy Federal Credit Union 162
12 TD Bank Us Holding Company 160
13 U.S. Bancorp 146
14 CLGF Holdco 1, LLC 119
15 Goldman Sachs Bank USA 118
16 Atlanticus Services Corporation 81
17 United Services Automobile Association 67
18 Encore Capital Group Inc. 52
19 Resurgent Capital Services L.P. 47
20 Portfolio Recovery Associates, LLC 42
21 Continental Finance Company, LLC 41
22 Avant Holding Company, Inc. 34
23 PNC Bank N.A. 30
24 Self Financial Inc. 29
25 First National Bank of Omaha 27
26 Pentagon Federal Credit Union 19
27 Ally Financial Inc. 19
28 First Portfolio Servicing Inc 18
29 Equifax, Inc. 18
30 Experian Information Solutions Inc. 16
31 Army and Air Force Exchange Service 15
32 Transunion Intermediate Holdings, Inc. 15
33 CL Holdings LLC 15
34 Citizens Financial Group, Inc. 14
35 Synovus Bank 14
36 HSBC North America Holdings Inc. 14
37 OneMain Finance Corporation 14
38 Prosper Marketplace, Inc. 13
39 Regions Financial Corporation 12
40 Pending Company Match 11
41 Affirm Holdings, Inc 11
42 Fifth Third Financial Corporation 11
43 BMO Bank National Association 8
44 Upgrade, Inc. 8
45 Sunbit, Inc. 8
46 Colony Brands, Inc. 8
47 Sterling Jewelers, Inc. 8
48 Truist Financial Corporation 7
49 Zwicker & Associates 6
50 Klarna AB 6

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Struggling to pay your bill" Complaints

The CFPB public record contains 6,649 consumer complaints tagged with the issue "Struggling to pay your bill", distributed across 222 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 "Struggling to pay your bill" is raised is "Credit card or prepaid 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 "Struggling to pay your bill" 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 "Struggling to pay your bill", 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.