Since it began gathering consumer gripes about credit cards in July 2011, the Consumer Financial Protection Bureau has received the highest volume of grievances from well-off communities in New York and Florida, based on an analysis of agency data. Of the top four zip codes contributing to the more than 18,500 complaints published as of March 18, two are on Manhattan's Upper West Side and two are in south Florida -- Boca Raton and Palm Beach Gardens. According to the review, nearly 60 percent of complaints originated in zip codes where the median household income exceeds the U.S. median of $52,762. However, that does not signal that the CFPB is disproportionately helping wealthy people, according to Matt Simester of Auriemma Consulting Group, which advises card issuers. The regulator's data backs him up, showing that 18.1 percent of complainants living in zip codes with incomes below the nation median receive received monetary compensation for their dispute compared to only 17.8 percent of those in higher-income zip codes. Rather, Simester explains, the high level of gripes from well-off areas reflects the fact that higher-income consumers are more likely to have credit cards. It additionally suggests, he adds, that many people still do not realize they can submit a complaint through the agency.