Who is complaining aboutChecking or savings account?
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.
“Checking or savings account” accounts for 85,481 complaints in the 12 months to 30 Sep 2026, or 1.2% of everything the CFPB received, about level with the 78,783 of the 12 months before.
347 companies listed on this site received at least one complaint in the category. The issue chosen most often was “Managing an account” (58%).
Company responses in the category: 78% closed with an explanation, 4.9% closed with non-monetary relief, 12.3% closed with monetary relief, and 4.6% still in progress when the file was published. 99.3% were timely.
Tables below list companies by complaint count with their size beside them. Larger companies serve more customers and can be expected to receive more complaints; the per-size table covers only companies with a public asset figure.
Companies with the most complaints, with their size
Ordered by complaint count in the last 12 months. The size column is the public measure this site could match to the company; the last column divides the count by bank or credit union assets where one exists.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| WELLS FARGO & COMPANY | 9,656 | 11.3% | $1.92tn assets | 5.03 |
| JPMORGAN CHASE & CO. | 9,260 | 10.8% | $4.09tn assets | 2.26 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 8,623 | 10.1% | $2.65tn assets | 3.25 |
| Chime Financial Inc | 8,056 | 9.4% | no public measure | — |
| CAPITAL ONE FINANCIAL CORPORATION | 4,078 | 4.8% | $662bn assets | 6.16 |
| Block, Inc. | 3,808 | 4.5% | no public measure | — |
| CITIBANK, N.A. | 3,562 | 4.2% | $1.98tn assets | 1.80 |
| NAVY FEDERAL CREDIT UNION | 3,437 | 4% | $204bn assets | 16.8 |
| U.S. BANCORP | 2,404 | 2.8% | $706bn assets | 3.41 |
| TRUIST FINANCIAL CORPORATION | 2,246 | 2.6% | $548bn assets | 4.10 |
| SOFI TECHNOLOGIES, INC. | 2,209 | 2.6% | $57bn assets | 38.9 |
| PNC Bank N.A. | 2,152 | 2.5% | $610bn assets | 3.53 |
| Paypal Holdings, Inc | 1,595 | 1.9% | no public measure | — |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 1,553 | 1.8% | $106bn assets | 14.6 |
| TD BANK US HOLDING COMPANY | 1,490 | 1.7% | $375bn assets | 3.97 |
| HUNTINGTON NATIONAL BANK, THE | 1,156 | 1.4% | $283bn assets | 4.08 |
| CITIZENS FINANCIAL GROUP, INC. | 1,113 | 1.3% | $233bn assets | 4.79 |
| ALLY FINANCIAL INC. | 983 | 1.1% | $188bn assets | 5.22 |
| FIFTH THIRD FINANCIAL CORPORATION | 818 | 1% | $299bn assets | 2.73 |
| BMO BANK NATIONAL ASSOCIATION | 800 | 0.9% | $255bn assets | 3.14 |
| GOLDMAN SACHS BANK USA | 735 | 0.9% | $759bn assets | 0.97 |
| FinCo Services Inc DBA Current | 698 | 0.8% | no public measure | — |
| Early Warning Services, LLC | 668 | 0.8% | no public measure | — |
| Fidelity National Information Services, Inc. (FNIS) | 664 | 0.8% | no public measure | — |
| REGIONS FINANCIAL CORPORATION | 637 | 0.7% | $160bn assets | 3.99 |
| SANTANDER HOLDINGS USA, INC. | 582 | 0.7% | $104bn assets | 5.60 |
| AMERICAN EXPRESS COMPANY | 568 | 0.7% | $214bn assets | 2.65 |
| KEYCORP | 535 | 0.6% | $189bn assets | 2.84 |
| Credit Karma, LLC | 446 | 0.5% | no public measure | — |
| MORGAN STANLEY & CO. LLC | 437 | 0.5% | no public measure | — |
| All other companies, including those not listed by name | 10,512 | 12.3% | — | — |
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. 22 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.
Complaints and size, for companies with a public asset figure
Banks, bank holding companies and credit unions with at least $10 billion in assets and at least 50 complaints in this category in 12 months, ordered by complaint count; the last column divides the count by assets. Assets measure the whole institution, not its checking or savings account business, so a lender that specialises in this product will show a higher figure than a diversified one of the same quality, and the figures are not a ranking.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| WELLS FARGO & COMPANY | 9,656 | 11.3% | $1.92tn assets | 5.03 |
| JPMORGAN CHASE & CO. | 9,260 | 10.8% | $4.09tn assets | 2.26 |
| BANK OF AMERICA, NATIONAL ASSOCIATION | 8,623 | 10.1% | $2.65tn assets | 3.25 |
| CAPITAL ONE FINANCIAL CORPORATION | 4,078 | 4.8% | $662bn assets | 6.16 |
| CITIBANK, N.A. | 3,562 | 4.2% | $1.98tn assets | 1.80 |
| NAVY FEDERAL CREDIT UNION | 3,437 | 4% | $204bn assets | 16.8 |
| U.S. BANCORP | 2,404 | 2.8% | $706bn assets | 3.41 |
| TRUIST FINANCIAL CORPORATION | 2,246 | 2.6% | $548bn assets | 4.10 |
| SOFI TECHNOLOGIES, INC. | 2,209 | 2.6% | $57bn assets | 38.9 |
| PNC Bank N.A. | 2,152 | 2.5% | $610bn assets | 3.53 |
| UNITED SERVICES AUTOMOBILE ASSOCIATION | 1,553 | 1.8% | $106bn assets | 14.6 |
| TD BANK US HOLDING COMPANY | 1,490 | 1.7% | $375bn assets | 3.97 |
| HUNTINGTON NATIONAL BANK, THE | 1,156 | 1.4% | $283bn assets | 4.08 |
| CITIZENS FINANCIAL GROUP, INC. | 1,113 | 1.3% | $233bn assets | 4.79 |
| ALLY FINANCIAL INC. | 983 | 1.1% | $188bn assets | 5.22 |
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. 15 of the 15 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
- Managing an account49,618 · 58%
- Problem with a lender or other company charging your account12,221 · 14.3%
- Closing an account11,244 · 13.2%
- Opening an account6,968 · 8.2%
- Problem caused by your funds being low4,757 · 5.6%
- All other categories673 · 0.8%
| Issue (CFPB label) | Complaints | Share |
|---|---|---|
| Managing an account | 49,618 | 58% |
| Problem with a lender or other company charging your account | 12,221 | 14.3% |
| Closing an account | 11,244 | 13.2% |
| Opening an account | 6,968 | 8.2% |
| Problem caused by your funds being low | 4,757 | 5.6% |
| Incorrect information on your report | 275 | 0.3% |
| Problem with a company's investigation into an existing problem | 236 | 0.3% |
| Improper use of your report | 58 | 0.1% |
| Problem with fraud alerts or security freezes | 56 | 0.1% |
| Credit monitoring or identity theft protection services | 33 | <0.1% |
| Unable to get your credit report or credit score | 15 | <0.1% |
Sub-products
| Sub-product (CFPB label) | Complaints | Share |
|---|---|---|
| Checking account | 70,995 | 83.1% |
| Other banking product or service | 7,260 | 8.5% |
| Savings account | 6,041 | 7.1% |
| CD (Certificate of Deposit) | 1,185 | 1.4% |
How companies responded
- Closed with explanation66,688 · 78%
- Closed with monetary relief10,521 · 12.3%
- Closed with non-monetary relief4,172 · 4.9%
- In progress3,968 · 4.6%
- All other categories132 · 0.2%
| Measure | This category | All categories |
|---|---|---|
| Closed with monetary or non-monetary relief | 18% | 31.6% |
| Closed with monetary relief | 12.9% | 0.5% |
| Responses marked timely | 99.3% | 99.6% |
| Complaints tagged servicemember | 9.4% | 1.5% |
| Complaints tagged older American | 8.1% | 0.7% |
National trend
By state, per 100,000 residents
| State | Complaints, 12 months | Per 100,000 residents |
|---|---|---|
| District of Columbia | 397 | 57.2 |
| Nevada | 1,279 | 39.0 |
| Georgia | 4,295 | 38.0 |
| Florida | 8,663 | 36.9 |
| Delaware | 369 | 34.8 |
| Wyoming | 201 | 34.1 |
| New York | 6,723 | 33.6 |
| New Jersey | 3,014 | 31.6 |
| Maryland | 1,930 | 30.8 |
| California | 11,833 | 30.1 |
| Illinois | 3,285 | 25.8 |
| Texas | 7,951 | 25.1 |
| Connecticut | 921 | 25.0 |
| North Carolina | 2,724 | 24.3 |
| Arizona | 1,825 | 23.9 |
The 15 states with the highest rate; national rate 25.0. Filing rates also reflect how widely the CFPB is known in a state.
Questions and answers
How many Checking or savings account complaints does the CFPB receive?
85,481 in the 12 months to 30 Sep 2026, against 78,783 in the 12 months before, and 399,373 since 2017.
Which companies receive the most complaints in this category?
By count, WELLS FARGO & COMPANY (9,656), JPMORGAN CHASE & CO. (9,260), BANK OF AMERICA, NATIONAL ASSOCIATION (8,623) in the last 12 months. 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: “Managing an account” (58%), “Problem with a lender or other company charging your account” (14.3%), “Closing an account” (13.2%), “Opening an account” (8.2%).
How do companies respond?
Across the category: 78% closed with an explanation, 4.9% closed with non-monetary relief, 12.3% closed with monetary relief, and 4.6% still in progress when the file was published. 99.3% 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.