Trouble using your card

15.6K consumer complaints across 232 companies

This page tracks consumer complaints about "Trouble using your card" filed with the CFPB. 15,611 complaints mention this issue across 232 companies. The most affected product category is "Credit card or prepaid card".

15.6K
Total Complaints
232
Companies
Credit card or prepaid card
Top Product

Companies with Most Complaints for This Issue

# Company Complaints
1 Capital One Financial Corporation 2.7K
2 Citibank, N.a. 2.3K
3 Synchrony Financial 1.7K
4 American Express Company 1.3K
5 JPMorgan Chase & Co. 1.0K
6 Bank of America, National Association 709
7 Bread Financial Holdings, Inc. 615
8 Goldman Sachs Bank USA 558
9 Discover Bank 503
10 Barclays Bank Delaware 493
11 Wells Fargo & Company 440
12 U.S. Bancorp 368
13 TD Bank Us Holding Company 290
14 CLGF Holdco 1, LLC 205
15 Navy Federal Credit Union 151
16 First National Bank of Omaha 122
17 United Services Automobile Association 106
18 Block, Inc. 95
19 HSBC North America Holdings Inc. 78
20 Paypal Holdings, Inc 77
21 Avant Holding Company, Inc. 75
22 Atlanticus Services Corporation 72
23 PNC Bank N.A. 70
24 Netspend Corporation 68
25 Incomm Holdings Inc. 63
26 Continental Finance Company, LLC 59
27 Comerica 58
28 Fifth Third Financial Corporation 57
29 Synovus Bank 55
30 Chime Financial Inc 49
31 Truist Financial Corporation 47
32 Upgrade, Inc. 46
33 Bilt Technologies, Inc. 43
34 First Portfolio Servicing Inc 43
35 Citizens Financial Group, Inc. 43
36 Pentagon Federal Credit Union 41
37 BMO Bank National Association 38
38 Prosper Marketplace, Inc. 37
39 Robinhood Markets Inc. 33
40 Affirm Holdings, Inc 31
41 Winklevoss Exchange LLC 31
42 Self Financial Inc. 29
43 Blackhawk Network Holdings Inc. 26
44 Pending Company Match 24
45 Ally Financial Inc. 24
46 Experian Information Solutions Inc. 24
47 Bbva Financial Corporation 24
48 Klarna AB 23
49 Equifax, Inc. 22
50 Transunion Intermediate Holdings, Inc. 20

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the Data Says About "Trouble using your card" Complaints

The CFPB public record contains 15,611 consumer complaints tagged with the issue "Trouble using your card", distributed across 232 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 "Trouble using your card" 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 "Trouble using your card" 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 "Trouble using your card", 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.