CFPB complaints · by product

Bank account or service

What consumers complain about with this financial product — and how often companies respond on time.

459,394

CFPB complaints filed · 2.9% of all

1,167

companies complained about

98.7%

timely response

Read the volume carefully. How many complaints a product draws tracks how many people use it and how large its companies are — not how "bad" it is. (Credit reporting is ~80% of all CFPB complaints because the bureaus hold records on nearly every adult and disputes are the #1 category.) The fair signal here is the timely-response rate — how reliably companies answer — which, unlike raw volume, isn't a function of size.

What goes wrong

The CFPB issue categories these complaints concern most.

Managing an account 218,077

Closing an account 47,893

Problem with a lender or other company charging your account 41,115

Account opening, closing, or management 37,959

Opening an account 34,489

Problem caused by your funds being low 29,120

Companies most complained about for this product

Highest complaint volume (context — it tracks size and market share, not a ranking of who's worst), shown next to each company's timely-response rate, the comparable signal.

CompanyComplaintsTimely response

WELLS FARGO & COMPANY 59,301 96.4%

BANK OF AMERICA, NATIONAL ASSOCIATION 57,537 98.0%

JPMORGAN CHASE & CO. 55,194 99.9%

CITIBANK, N.A. 23,839 99.8%

CAPITAL ONE FINANCIAL CORPORATION 21,806 100.0%

NAVY FEDERAL CREDIT UNION 20,694 100.0%

Chime Financial Inc 17,188 99.8%

U.S. BANCORP 14,846 99.9%

PNC Bank N.A. 14,568 99.8%

TD BANK US HOLDING COMPANY 11,760 100.0%

TRUIST FINANCIAL CORPORATION 9,389 98.9%

CITIZENS FINANCIAL GROUP, INC. 8,408 100.0%

UNITED SERVICES AUTOMOBILE ASSOCIATION 8,288 99.9%

Block, Inc. 7,687 97.1%

REGIONS FINANCIAL CORPORATION 5,813 98.8%

Most companies respond on time, so this rate matters most where it is notably lower. A low rate means a company more often failed to answer within CFPB's window — it does not measure whether consumers were satisfied. And every count here is an unverified consumer allegation, not proven wrongdoing.

What these figures mean

RECORDED — the complaint count, issue breakdown, and timely-response rate are CFPB records of complaints consumers filed.
MODELED — "Bank account or service" merges 2 CFPB product labels (Bank account or service; Checking or savings account) into one category so the same product isn't split across CFPB's legacy labels. The counts are unchanged.
CONTEXT — volume is not a ranking (it tracks reach and size, with no denominator); timely-response measures answering within CFPB's window, not consumer satisfaction.

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What this is — and is not

A CFPB complaint is an unverified consumer allegation — not a finding, not proven wrongdoing, and not a verdict by the CFPB or anyone else. This is not a ranking of which product or company is "worst," and not advice about a product or company. Read the actual complaints and how they were handled — and file your own — at the CFPB Consumer Complaint Database.