---
title: CFPB complaints — Bank account or service
product: Bank account or service
source: CFPB Consumer Complaint Database
sourceId: src:cfpb:complaints:current
---

# CFPB complaints — Bank account or service

**459,394** complaints (2.9% of all CFPB complaints), across **1,167** companies. Companies gave a timely response **98.7%** of the time.

**How to read this:** complaint volume tracks how many people use a product 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). The comparable signal is the **timely-response rate** (whether companies answer within CFPB's window — not whether consumers were satisfied), which isn't a function of size. A CFPB complaint is an **unverified consumer allegation**, not proven wrongdoing.

This category (MODELED) merges 2 raw CFPB product labels: Bank account or service; Checking or savings account.

## What goes wrong (top issues)

| Issue | Complaints |
| --- | --- |
| 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 (volume = context, not a ranking)

Highest complaint volume (tracks size/market share), with each company's timely-response rate — the comparable signal.

| Company | Complaints | Timely 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% |

RECORDED CFPB figures + one MODELED product grouping. Not a ranking, not proven wrongdoing, not advice. File or read complaints at the CFPB Consumer Complaint Database (https://www.consumerfinance.gov/data-research/consumer-complaints/). One company's record: `/finance/companies/<slug>`.

Structured data: `/finance/products/bank-account-or-service.jsonld`