Who is complaining aboutBank account or service?
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.
“Bank account or service” is a product label the CFPB no longer uses for new complaints. The database holds 86,198 complaints under it, received between 1 Mar 2012 and 22 Apr 2017; later complaints of this kind are filed under a newer label.
The figures on this page cover every year the label was in use. Company responses: 66.2% closed with an explanation, 6.2% closed with non-monetary relief, 21.1% closed with monetary relief.
Companies with the most complaints, with their size
Ordered by complaint count since 2011. The size column is the public measure this site could match to the company.
| Company (as named by the CFPB) | Complaints, all years | Share | Company size |
|---|---|---|---|
| BANK OF AMERICA, NATIONAL ASSOCIATION | 13,905 | 16.1% | $2.65tn assets |
| WELLS FARGO & COMPANY | 13,325 | 15.5% | $1.92tn assets |
| JPMORGAN CHASE & CO. | 9,811 | 11.4% | $4.09tn assets |
| CITIBANK, N.A. | 4,447 | 5.2% | $1.98tn assets |
| U.S. BANCORP | 3,725 | 4.3% | $706bn assets |
| PNC Bank N.A. | 3,488 | 4% | $610bn assets |
| TD BANK US HOLDING COMPANY | 3,059 | 3.5% | $375bn assets |
| SUNTRUST BANKS, INC. | 2,556 | 3% | no public measure |
| CAPITAL ONE FINANCIAL CORPORATION | 2,443 | 2.8% | $662bn assets |
| CITIZENS FINANCIAL GROUP, INC. | 2,034 | 2.4% | $233bn assets |
| REGIONS FINANCIAL CORPORATION | 1,861 | 2.2% | $160bn assets |
| BB&T CORPORATION | 1,671 | 1.9% | no public measure |
| FIFTH THIRD FINANCIAL CORPORATION | 1,512 | 1.8% | $299bn assets |
| SANTANDER BANK, NATIONAL ASSOCIATION | 1,446 | 1.7% | $104bn assets |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 1,437 | 1.7% | $106bn assets |
| HSBC NORTH AMERICA HOLDINGS INC. | 1,018 | 1.2% | $173bn assets |
| M&T BANK CORPORATION | 1,009 | 1.2% | $220bn assets |
| NAVY FEDERAL CREDIT UNION | 974 | 1.1% | $204bn assets |
| BBVA FINANCIAL CORPORATION | 955 | 1.1% | no public measure |
| KEYCORP | 952 | 1.1% | $189bn assets |
| TCF NATIONAL BANK | 895 | 1% | no public measure |
| Paypal Holdings, Inc | 802 | 0.9% | no public measure |
| HUNTINGTON NATIONAL BANK, THE | 797 | 0.9% | $283bn assets |
| ALLY FINANCIAL INC. | 777 | 0.9% | $188bn assets |
| SYNCHRONY FINANCIAL | 743 | 0.9% | $115bn assets |
| Comerica | 743 | 0.9% | no public measure |
| DISCOVER BANK | 486 | 0.6% | no public measure |
| BANK OF THE WEST | 458 | 0.5% | no public measure |
| AMERICAN EXPRESS COMPANY | 447 | 0.5% | $214bn assets |
| U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH | 385 | 0.4% | no public measure |
| All other companies, including those not listed by name | 8,037 | 9.3% | — |
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 30 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.
Issues
- Account opening, closing, or management37,959 · 44%
- Deposits and withdrawals22,850 · 26.5%
- Problems caused by my funds being low11,844 · 13.7%
- Making/receiving payments, sending money7,401 · 8.6%
- Using a debit or ATM card6,144 · 7.1%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Account opening, closing, or management | 37,959 | 44% |
| Deposits and withdrawals | 22,850 | 26.5% |
| Problems caused by my funds being low | 11,844 | 13.7% |
| Making/receiving payments, sending money | 7,401 | 8.6% |
| Using a debit or ATM card | 6,144 | 7.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Checking account | 59,041 | 68.5% |
| Other bank product/service | 17,822 | 20.7% |
| Savings account | 5,294 | 6.1% |
| (CD) Certificate of deposit | 3,416 | 4% |
| Cashing a check without an account | 625 | 0.7% |
How companies responded
- Closed with explanation57,057 · 66.2%
- Closed with monetary relief18,200 · 21.1%
- Closed with non-monetary relief5,317 · 6.2%
- Closed2,392 · 2.8%
- All other categories3,232 · 3.7%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 28.7% | 31.6% |
| Closed with monetary relief | 21.1% | 0.5% |
| Responses marked timely | 97.4% | 99.6% |
National trend
Questions and answers
How many Bank account or service complaints does the CFPB receive?
86,198 were filed under this label between 1 Mar 2012 and 22 Apr 2017. The CFPB has since replaced the label.
Which companies receive the most complaints in this category?
By count, BANK OF AMERICA, NATIONAL ASSOCIATION (13,905), WELLS FARGO & COMPANY (13,325), JPMORGAN CHASE & CO. (9,811) across all years. Counts follow company size: “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 the complaints about?
The issues selected most often: “Account opening, closing, or management” (44%), “Deposits and withdrawals” (26.5%), “Problems caused by my funds being low” (13.7%), “Making/receiving payments, sending money” (8.6%).
How do companies respond?
Across the category: 66.2% closed with an explanation, 6.2% closed with non-monetary relief, 21.1% closed with monetary relief. 97.4% of responses were timely.
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. A complaint is the consumer's account; the company's response is recorded beside it.
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.