CFPB Consumer Complaint Profile
Concerto Card Company
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 15
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 10
- States affected
The verdict
Concerto Card Company ranks #3232 of 3,843 financial companies by CFPB complaint volume. Its on-time response record is at the 86th percentile among companies with 100+ complaints.
- Credit card
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Concerto Card Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2022 | 1 |
| 2023 | 7 |
| 2024 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Concerto Card Company
Concerto Card Company draws a geographically concentrated spread of CFPB complaints, filed by consumers in many parts of the country. "Credit card" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Fees or interest," a reasonable starting point for understanding recurring friction.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above benchmark levels, a sign it handles intake and escalation well. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Credit card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Concerto Card Company have?
The CFPB has logged 15 complaints against Concerto Card Company to date, of which 0 came in over the last 12 months.
Does Concerto Card Company respond to complaints on time?
Concerto Card Company has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Concerto Card Company?
The most complained-about product for Concerto Card Company is "Credit card." You can view the full product breakdown on this page.
What is the most common complaint issue with Concerto Card Company?
Consumers most often cite "Fees or interest" when complaining about Concerto Card Company; the full issue list with counts is above.
How do I file a complaint against Concerto Card Company?
You can file a complaint against Concerto Card Company directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Concerto Card Company?
The CFPB has recorded complaints against Concerto Card Company from 10 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.