Issues › Bank account or service
Who is complaining aboutUsing a debit or ATM card?
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.
“Using a debit or ATM card” is an issue label the CFPB no longer offers on its complaint form. 6,144 complaints carry it, received between 1 Mar 2012 and 22 Apr 2017.
Most were filed under the product “Bank account or service” (100%).
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Bank account or service | 6,144 | 100% |
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 |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 1,105 | 18% | $2.65tn assets |
| JPMORGAN CHASE & CO. | 872 | 14.2% | $4.09tn assets |
| WELLS FARGO & COMPANY | 792 | 12.9% | $1.92tn assets |
| TD BANK US HOLDING COMPANY | 295 | 4.8% | $375bn assets |
| CITIBANK, N.A. | 247 | 4% | $1.98tn assets |
| U.S. BANCORP | 244 | 4% | $706bn assets |
| PNC Bank N.A. | 231 | 3.8% | $610bn assets |
| SUNTRUST BANKS, INC. | 180 | 2.9% | no public measure |
| Comerica | 175 | 2.8% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 147 | 2.4% | $662bn assets |
| REGIONS FINANCIAL CORPORATION | 145 | 2.4% | $160bn assets |
| SANTANDER BANK, NATIONAL ASSOCIATION | 120 | 2% | $104bn assets |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 105 | 1.7% | $106bn assets |
| CITIZENS FINANCIAL GROUP, INC. | 95 | 1.5% | $233bn assets |
| BB&T CORPORATION | 91 | 1.5% | no public measure |
| M&T BANK CORPORATION | 81 | 1.3% | $220bn assets |
| FIFTH THIRD FINANCIAL CORPORATION | 71 | 1.2% | $299bn assets |
| BBVA FINANCIAL CORPORATION | 70 | 1.1% | no public measure |
| TCF NATIONAL BANK | 69 | 1.1% | no public measure |
| AMERICAN EXPRESS COMPANY | 65 | 1.1% | $214bn assets |
| HUNTINGTON NATIONAL BANK, THE | 63 | 1% | $283bn assets |
| KEYCORP | 60 | 1% | $189bn assets |
| NAVY FEDERAL CREDIT UNION | 55 | 0.9% | $204bn assets |
| Netspend Corporation | 53 | 0.9% | no public measure |
| HSBC NORTH AMERICA HOLDINGS INC. | 52 | 0.8% | $173bn assets |
| All other companies, including those not listed by name | 661 | 10.8% | — |
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 explanation4,038 · 65.7%
- Closed with monetary relief1,547 · 25.2%
- Closed with non-monetary relief245 · 4%
- Closed154 · 2.5%
- All other categories160 · 2.6%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 30.2% | 31.5% |
| Closed with monetary relief | 25.2% | 0.5% |
| Responses marked timely | 97.7% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Using a debit or ATM card” 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?
6,144, all received before 22 Apr 2017; the label is no longer offered.
Which products does it apply to?
“Bank account or service” (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 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.