Issues › Money transfer, virtual currency, or money service
Who is complaining aboutLost or stolen check?
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.
“Lost or stolen check” is an issue label the CFPB no longer offers on its complaint form. 470 complaints carry it, received between 19 Jul 2014 and 16 Aug 2023.
Most were filed under the product “Money transfer, virtual currency, or money service” (90.9%).
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Money transfer, virtual currency, or money service | 427 | 90.9% |
| Other financial service | 43 | 9.1% |
Which companies, with their size
Ordered by the number of complaints carrying this issue since 2011.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| WELLS FARGO & COMPANY | 72 | 15.3% | $1.92tn assets |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 63 | 13.4% | $2.65tn assets |
| JPMORGAN CHASE & CO. | 56 | 11.9% | $4.09tn assets |
| AMERICAN EXPRESS COMPANY | 23 | 4.9% | $214bn assets |
| CITIBANK, N.A. | 19 | 4% | $1.98tn assets |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 16 | 3.4% | $106bn assets |
| CAPITAL ONE FINANCIAL CORPORATION | 16 | 3.4% | $662bn assets |
| Paypal Holdings, Inc | 14 | 3% | no public measure |
| U.S. BANCORP | 11 | 2.3% | $706bn assets |
| PNC Bank N.A. | 10 | 2.1% | $610bn assets |
| NAVY FEDERAL CREDIT UNION | 8 | 1.7% | $204bn assets |
| CITIZENS FINANCIAL GROUP, INC. | 7 | 1.5% | $233bn assets |
| Chime Financial Inc | 6 | 1.3% | no public measure |
| ALLY FINANCIAL INC. | 6 | 1.3% | $188bn assets |
| TRUIST FINANCIAL CORPORATION | 6 | 1.3% | $548bn assets |
| Block, Inc. | 6 | 1.3% | no public measure |
| Comerica | 4 | 0.9% | no public measure |
| M&T BANK CORPORATION | 4 | 0.9% | $220bn assets |
| Westlake Services, LLC | 3 | 0.6% | no public measure |
| WEBSTER BANK, NATIONAL ASSOCIATION | 3 | 0.6% | no public measure |
| SANTANDER BANK, NATIONAL ASSOCIATION | 3 | 0.6% | $104bn assets |
| REGIONS FINANCIAL CORPORATION | 3 | 0.6% | $160bn assets |
| ZIONS BANCORPORATION | 3 | 0.6% | $89bn assets |
| FIFTH THIRD FINANCIAL CORPORATION | 3 | 0.6% | $299bn assets |
| PENTAGON FEDERAL CREDIT UNION | 3 | 0.6% | $29bn assets |
| All other companies, including those not listed by name | 102 | 21.7% | — |
CFPB: “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. 19 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation407 · 86.6%
- Closed with monetary relief49 · 10.4%
- Closed with non-monetary relief12 · 2.6%
- Untimely response2 · 0.4%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 13% | 31.5% |
| Closed with monetary relief | 10.4% | 0.5% |
| Responses marked timely | 97.2% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Lost or stolen check” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau.
How many complaints carry this issue?
470, all received before 16 Aug 2023; the label is no longer offered.
Which products does it apply to?
“Money transfer, virtual currency, or money service” (90.9%), “Other financial service” (9.1%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 1 Oct 2026, complaints received through 1 Oct 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. 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. Search the CFPB database · Methodology · Report an error.