Who is complaining aboutProblem caused by your funds being low?

CFPB issue label0.1% of all complaints

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.

Consumers chose the issue “Problem caused by your funds being low” on 4,757 complaints in the 12 months to 30 Sep 2026, down 61% on the 12,285 of the 12 months before. That is 0.1% of all complaints received.

100% of them were filed under the product “Checking or savings account”, where the issue makes up 5.6% of that product's complaints.

Company responses on this issue: 73.7% closed with an explanation, 2.2% closed with non-monetary relief, 19.9% closed with monetary relief, and 4% still in progress when the file was published. 99.5% were timely.

1,103complaints, last 90 days-3% vs prior 90 days

4,757complaints, last 365 daysdown 61% vs prior 365 days

30,517complaints, all yearssince 2017

23%closed with reliefall issues 31.6%

Which products

Product (CFPB label)	Complaints	Share
Checking or savings account	4,757	100%

Sub-issues

Sub-issue (CFPB label)	Complaints	Share
Overdrafts and overdraft fees	2,673	56.2%
Non-sufficient funds and associated fees	1,104	23.2%
Late or other fees	536	11.3%
Bounced checks or returned payments	444	9.3%

Which companies, with their size

Ordered by the number of complaints carrying this issue in the last 12 months.

Company (as named by the CFPB)	Complaints, 12 months	Share	Company size	Per $1bn assets
WELLS FARGO & COMPANY	1,009	21.2%	$1.92tn assets	0.53
JPMORGAN CHASE & CO.	571	12%	$4.09tn assets	0.14
BANK OF AMERICA, NATIONAL ASSOCIATION	356	7.5%	$2.65tn assets	0.13
NAVY FEDERAL CREDIT UNION	262	5.5%	$204bn assets	1.28
Chime Financial Inc	240	5%	no public measure	—
PNC Bank N.A.	221	4.6%	$610bn assets	0.36
U.S. BANCORP	199	4.2%	$706bn assets	0.28
TRUIST FINANCIAL CORPORATION	185	3.9%	$548bn assets	0.34
TD BANK US HOLDING COMPANY	134	2.8%	$375bn assets	0.36
CAPITAL ONE FINANCIAL CORPORATION	128	2.7%	$662bn assets	0.19
REGIONS FINANCIAL CORPORATION	128	2.7%	$160bn assets	0.80
Block, Inc.	106	2.2%	no public measure	—
CITIZENS FINANCIAL GROUP, INC.	103	2.2%	$233bn assets	0.44
FIFTH THIRD FINANCIAL CORPORATION	94	2%	$299bn assets	0.31
CITIBANK, N.A.	91	1.9%	$1.98tn assets	0.05
HUNTINGTON NATIONAL BANK, THE	76	1.6%	$283bn assets	0.27
UNITED SERVICES AUTOMOBILE ASSOCIATION	54	1.1%	$106bn assets	0.51
KEYCORP	37	0.8%	$189bn assets	0.20
SOFI TECHNOLOGIES, INC.	37	0.8%	$57bn assets	0.65
Paypal Holdings, Inc	28	0.6%	no public measure	—
BMO BANK NATIONAL ASSOCIATION	27	0.6%	$255bn assets	0.11
SANTANDER HOLDINGS USA, INC.	25	0.5%	$104bn assets	0.24
M&T BANK CORPORATION	24	0.5%	$220bn assets	0.11
FIRST CITIZENS BANCSHARES, INC.	23	0.5%	no public measure	—
ALLY FINANCIAL INC.	18	0.4%	$188bn assets	0.10
All other companies, including those not listed by name	581	12.2%	—	—

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. 21 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 explanation3,508 · 73.7%
Closed with monetary relief946 · 19.9%
In progress190 · 4%
Closed with non-monetary relief104 · 2.2%
All other categories9 · 0.2%

Measure	This issue	All issues
Closed with monetary or non-monetary relief	23%	31.6%
Closed with monetary relief	20.7%	0.5%
Responses marked timely	99.5%	99.6%

Trend

Complaints with the issue “Problem caused by your funds being low” in each of the last 24 months. Peak month in view: 7,570. The hatched month is incomplete.

Complaints per calendar year. The CFPB revised its issue list in 2017 and again later, so many labels start or stop part-way through the record. The final year is part-way through.

Questions and answers

What does the CFPB issue “Problem caused by your funds being low” 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. Sub-issues recorded under it include “Overdrafts and overdraft fees”, “Non-sufficient funds and associated fees”, “Late or other fees”.

How many complaints carry this issue?

4,757 in the 12 months to 30 Sep 2026 and 30,517 since 2017.

Which products does it apply to?

“Checking or savings account” (100%).

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 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. 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.