Card Dispute Complaints Ended in Money Back 24% of the Time

Compiled by HaiPay on 19 October 2026 from the Consumer Financial Protection Bureau’s Consumer Complaint Database, queried through its public search API at consumerfinance.gov with the parameters date_received_min 2025-10-01 and date_received_max 2026-10-01. The API refused requests carrying a custom user agent, so queries were made with a standard browser user agent; no authentication is required. Credit card complaints in the window number 96,370. The largest issue, as selected by the consumer, is problem with a purchase shown on your statement, with 30,989 complaints, or 32.2 per cent, followed by getting a credit card with 11,001, other features, terms or problems with 10,906 and fees or interest with 9,941. Within the purchase issue, 24,227 complaints, or 78.2 per cent, say the card company is not resolving a dispute about a purchase on the statement, 6,034, or 19.5 per cent, say the card was charged for something the cardholder did not purchase, and 728, or 2.3 per cent, say the cardholder was overcharged for something they did purchase. Companies reported closing 21,343 of the 30,989 with an explanation, 7,430 with monetary relief, or 24.0 per cent, and 1,041 with non-monetary relief; 1,112 were in progress and 63 were recorded as an untimely response. 272 companies were named; the 10 named most often account for 76.9 per cent of the complaints. Company figures come from re-running the query once per company, using the company names as the database records them, and for each company the closure counts sum to its total. Monetary relief as a share of each company’s complaints was 48.3 per cent at Bank of America (1,362 of 2,819), 41.5 per cent at Citibank (1,961 of 4,731), 30.1 per cent at Goldman Sachs Bank USA (594 of 1,974), 25.1 per cent at American Express (507 of 2,020), 19.0 per cent at Synchrony (461 of 2,425), 18.0 per cent at Capital One (775 of 4,314), 17.1 per cent at Wells Fargo (238 of 1,392), 12.5 per cent at JPMorgan Chase (302 of 2,418), 9.2 per cent at Barclays Bank Delaware (93 of 1,014) and 6.8 per cent at Chime (49 of 721). Among smaller names, PayPal closed 147 of 415 with monetary relief and Klarna 45 of 275, while Affirm closed all 239 of its complaints with an explanation and Robinhood closed 278 of 319 with an explanation and had 41 in progress. Shares are computed on each company’s total, including complaints still in progress, which are 9.2 per cent of Bank of America’s. Every share and sum is HaiPay’s arithmetic on the API’s aggregation counts. Four limits apply. The bureau does not verify the facts of a complaint, and publishing one is not a finding against the company. Closure outcomes are reported by the companies. A complaint closed with an explanation is not a complaint found to be without merit; the issue may already have been resolved or may not be the company’s to resolve. And a relief rate reflects the mix of complaints a company receives as well as how it answers them, so differences between companies are not a measure of conduct on their own. HaiPay did not contact the Consumer Financial Protection Bureau or any company named here.