CFPB · Mid-pack issue profile

Struggling to pay your bill

6.6K CFPB complaints · 222 companies · top product Credit card or prepaid card.

6.6K CFPB complaints

"Struggling to pay your bill" has 6.6K consumer complaints in the CFPB public database across 222 companies (ranks #73 of 178 by volume among indexed issue categories). Most common product: Credit card or prepaid card. Allegations, not regulatory findings.

  • Volume rank #73 of 178
  • Capital One Financial 21.1% of filings
  • Data updated June 2026
  • Mid-pack issue profile
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

What the CFPB record shows for "Struggling to pay your bill"

"Struggling to pay your bill" is tagged on 6,649 consumer complaints across 222 companies. No single company exceeds 21.1% of these filings.

The most common product category where "Struggling to pay your bill" is raised is "Credit card or prepaid card". Use company profiles to see relief and timely-response rates on the firms named most often. 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 "Struggling to pay your bill" (#73 of 178; 222 companies). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack issue profile