The harm index

Every complaint our classifier reads is graded 1–3 for severity: a minor annoyance, a significant failure, or severe harm — money lost, an essential service cut off, or a problem left unresolved for months. Ranked below by the share of a company’s complaints that reached the severe grade (minimum 30 classified complaints). This measures how bad the reported problems were, not how many there were.

#	Company	Severe share	Severe	Complaints	Top reported issue
1	Capita	80%	145	181	Support unreachable
2	TheTravelMakers.co.uk	78%	73	93	Support unreachable
3	Card Saver	78%	42	54	Contract term changes
4	FareObuddy	75%	41	55	Misleading pricing
5	Vivint Solar	74%	29	39	Support unreachable
6	G.B.C	74%	87	117	Support unreachable
7	Faye Travel Insurance	72%	64	89	Warranty disputes
8	Uphold	69%	70	102	Account/app problems
9	Flyer Club	68%	28	41	Misleading pricing
10	Insite Energy	66%	33	50	Support unreachable
11	FIFACOIN (now M8X)	65%	28	43	Account/app problems
12	Paylaterr	65%	267	413	Support unreachable
13	Bluevine	65%	155	240	Account/app problems
14	Holborn Assets	64%	87	135	Other
15	StubHub International	63%	63	100	Delivery failed
16	Emedgroup	62%	60	97	Missed appointments
17	Allpowers	62%	21	34	Faulty product
18	viagogo	61%	185	301	Support unhelpful
19	Skylux Travel	60%	49	81	Support unhelpful
20	Americor	60%	32	53	Support unhelpful
21	Heatable	60%	44	73	Support unhelpful
22	wamo	60%	47	78	Account/app problems
23	Pawp	60%	139	231	Warranty disputes
24	Trust Deed Scotland	60%	21	35	Support unhelpful
25	SecureDataRecovery.com	60%	34	57	Overcharging
26	IONOS \| ionos.de	59%	26	44	Support unhelpful
27	RentalCover.com	58%	61	105	Support unreachable
28	Priory	58%	36	62	Other
29	TXU Energy	58%	30	52	Support unhelpful
30	HostGator	58%	46	80	Support unhelpful
31	Freedom Mortgage	57%	27	47	Support unreachable
32	Seven Corners	57%	66	115	Warranty disputes
33	After.com	57%	21	37	Support unreachable
34	Bluelotusvacations	56%	18	32	Support unreachable
35	hosting.com	56%	60	107	Support unhelpful
36	Fortray Global Services Limited	56%	19	34	Misleading pricing
37	Travel Center	56%	49	88	Support unhelpful
38	HelloGov AI	56%	35	63	Misleading pricing
39	Peninsula UK	56%	30	54	Support unhelpful
40	Oleaia	55%	22	40	Refund refused
41	transfergo.com	55%	28	51	Account/app problems
42	ScoresMatter	55%	40	73	Billing errors
43	IONOS \| ionos.fr	55%	23	42	Support unhelpful
44	Reach Financial™	54%	25	46	Other
45	Gateway - Everything Property	54%	90	166	Overcharging
46	Severn Trent	54%	52	96	Support unhelpful
47	W1TTY	54%	38	71	Support unreachable
48	Memoria Direct Cremation & Funerals	53%	31	58	Support unhelpful
49	TranslateSwift	53%	70	131	Misleading pricing
50	Chestertons	53%	40	75	Support unhelpful
51	Active.com	53%	33	62	Subscription trap
52	Carter's	53%	50	94	Delivery failed
53	Shutterstock	53%	51	96	Hard to cancel
54	Startline Motor Finance	53%	51	96	Support unhelpful
55	Calibrate	53%	147	277	Support unreachable
56	Handepay	53%	27	51	Misleading pricing
57	Heymondo Travel Insurance	53%	31	59	Support unreachable
58	Flight Centre UK	52%	144	275	Refunds delayed
59	Found	52%	92	177	Account/app problems
60	HostPapa	52%	27	52	Support unhelpful

Severity is assigned by an automated reader from the review text alone and is not a legal or financial assessment. A high share reflects the mix of problems reviewers described, not a judgment about the company’s conduct.