Companies › Bank account or service
Who is complaining aboutFIRST NIAGARA FINANCIAL GROUP, INC.?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
Complaints, last 12 months
0
0 in the 12 months before · 504 since 2012
For its size
No public size denominator
This company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its count cannot be scaled here. Read the count with the company's customer base in mind.
The CFPB complaint database holds 504 complaints about FIRST NIAGARA FINANCIAL GROUP, INC., received between 26 Mar 2012 and 1 Mar 2017. None arrived in the 12 months to 30 Sep 2026.
FIRST NIAGARA FINANCIAL GROUP, INC. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer.
58.1% of the complaints on file fall under the CFPB product category “Bank account or service”, followed by “Mortgage” at 20.4%. The issue selected most often was “Account opening, closing, or management” (24.8%).
How the company's responses were recorded across all years: 72.6% closed with an explanation, 9.5% closed with non-monetary relief, 14.5% closed with monetary relief. 97% of responses were marked timely.
A complaint is a consumer's account and is not a finding against the company. The CFPB does not verify every allegation in a complaint before publishing it.
Windows end on 30 Sep 2026, the last date in the CFPB file. The latest two to three weeks are incomplete because a complaint is published only after the company responds or 15 days pass.
Compared with peer companies
Too few companies share this company's main complaint category for a peer median. Nationally, 99.6% of responses were marked timely and 31.6% of closed complaints ended with monetary or non-monetary relief; for this company the figures are 97% and 25%.
Complaints by month
No complaints about this company were received in the last 24 months; the latest on file is dated 1 Mar 2017.
What the complaints are about
Products and issues are the categories the consumer selects on the CFPB form, shown with the CFPB's wording, since 2011.
- Bank account or service293 · 58.1%
- Mortgage103 · 20.4%
- Credit card64 · 12.7%
- Consumer Loan38 · 7.5%
- Debt collection6 · 1.2%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 125 | 24.8% |
| Deposits and withdrawals | 75 | 14.9% |
| Problems caused by my funds being low | 58 | 11.5% |
| Loan servicing, payments, escrow account | 39 | 7.7% |
| Loan modification,collection,foreclosure | 34 | 6.7% |
| Using a debit or ATM card | 22 | 4.4% |
| Application, originator, mortgage broker | 19 | 3.8% |
| Billing disputes | 13 | 2.6% |
| Making/receiving payments, sending money | 13 | 2.6% |
| Managing the loan or lease | 13 | 2.6% |
| Other CFPB issue categories | 93 | 18.5% |
Bank account or service
293 complaints since 2011 (58.1% of this company's total). That is 0.3% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 125 | 42.7% |
| Deposits and withdrawals | 75 | 25.6% |
| Problems caused by my funds being low | 58 | 19.8% |
| Using a debit or ATM card | 22 | 7.5% |
| Making/receiving payments, sending money | 13 | 4.4% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Checking account | 220 | 75.1% |
| Other bank product/service | 35 | 11.9% |
| (CD) Certificate of deposit | 18 | 6.1% |
| Savings account | 17 | 5.8% |
| Cashing a check without an account | 3 | 1% |
Mortgage
103 complaints since 2011 (20.4% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Loan servicing, payments, escrow account | 39 | 37.9% |
| Loan modification,collection,foreclosure | 34 | 33% |
| Application, originator, mortgage broker | 19 | 18.4% |
| Credit decision / Underwriting | 6 | 5.8% |
| Settlement process and costs | 3 | 2.9% |
| Other CFPB issue categories | 2 | 1.9% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other mortgage | 55 | 53.4% |
| Conventional fixed mortgage | 21 | 20.4% |
| Home equity loan or line of credit | 19 | 18.4% |
| Conventional adjustable mortgage (ARM) | 4 | 3.9% |
| FHA mortgage | 4 | 3.9% |
Credit card
64 complaints since 2011 (12.7% of this company's total). That is under 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Billing disputes | 13 | 20.3% |
| Identity theft / Fraud / Embezzlement | 11 | 17.2% |
| Billing statement | 4 | 6.3% |
| Other | 4 | 6.3% |
| Customer service / Customer relations | 3 | 4.7% |
| Other CFPB issue categories | 29 | 45.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Other or no sub-product recorded | 64 | 100% |
Consumer Loan
38 complaints since 2011 (7.5% of this company's total). That is 0.1% of all complaints in the category nationally.
Issues
| Issue | Complaints | Share |
|---|---|---|
| Managing the loan or lease | 13 | 34.2% |
| Problems when you are unable to pay | 8 | 21.1% |
| Managing the line of credit | 8 | 21.1% |
| Shopping for a loan or lease | 4 | 10.5% |
| Taking out the loan or lease | 3 | 7.9% |
| Other CFPB issue categories | 2 | 5.3% |
Sub-products
| Sub-product | Complaints | Share |
|---|---|---|
| Vehicle loan | 21 | 55.3% |
| Personal line of credit | 13 | 34.2% |
| Installment loan | 4 | 10.5% |
How the company responded
The CFPB records one closing category for each complaint, chosen by the company. Shares are of all complaints since 2011.
- Closed with explanation366 · 72.6%
- Closed with monetary relief73 · 14.5%
- Closed with non-monetary relief48 · 9.5%
- Closed without relief6 · 1.2%
- All other categories11 · 2.2%
The current CFPB export carries no consumer-disputed field, so no disputed rate is shown. The CFPB stopped collecting that field in April 2017.
Where the complaints come from
| State (as reported by the consumer) | Complaints | Share |
|---|---|---|
| New York | 264 | 52.4% |
| Pennsylvania | 109 | 21.6% |
| Connecticut | 61 | 12.1% |
| Massachusetts | 13 | 2.6% |
| New Jersey | 11 | 2.2% |
| California | 9 | 1.8% |
| Florida | 4 | 0.8% |
| Ohio | 3 | 0.6% |
| Maine | 2 | 0.4% |
| Georgia | 2 | 0.4% |
| Arizona | 2 | 0.4% |
| Nevada | 2 | 0.4% |
Top 12 of 25 states with at least one complaint since 2011. State counts follow population and where the company does business.
Questions and answers
How many complaints has the CFPB received about FIRST NIAGARA FINANCIAL GROUP, INC.?
0 in the 12 months to 30 Sep 2026 (0 in the 12 months before that) and 504 since 2012. 0 arrived in the last 30 days and 0 in the last 90 days; the most recent weeks are incomplete because a complaint is published only once the company responds or after 15 days.
How does that compare for its size?
FIRST NIAGARA FINANCIAL GROUP, INC. could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, so its complaint count cannot be set against its size here. A company with more customers can be expected to receive more complaints than one with fewer. The CFPB's own caution: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.”
What are people complaining about?
58.1% of complaints on file are filed under “Bank account or service”. The issues selected most often were “Account opening, closing, or management” (24.8%), “Deposits and withdrawals” (14.9%), “Problems caused by my funds being low” (11.5%). These are the categories the consumer picks on the CFPB form; the text of complaints is not used on this site.
How does FIRST NIAGARA FINANCIAL GROUP, INC. respond to complaints?
72.6% were closed with an explanation, 9.5% with non-monetary relief and 14.5% with monetary relief; 97% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. The Bureau publishes a complaint after the company responds, confirming a commercial relationship with the consumer, or after 15 days, whichever comes first. A complaint on file is not a finding that the company did anything wrong.
Where do these figures come from?
From the CFPB Consumer Complaint Database bulk file, counted through 30 Sep 2026, using only the coded fields (company, product, issue, state, dates, company response). Company size comes from FDIC, NCUA or HMDA public files where the company appears in one. Company names are shown as the CFPB publishes them.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. The company name is shown as the CFPB publishes it. No size measure: the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files. Companies can respond to the CFPB about any complaint; errors in this site's processing are fixed at the next daily build. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. See this company's complaints at the CFPB · Methodology · Report an error.