The Consumer Financial Protection Bureau (CFPB) publishes the complaints people send about checking and savings accounts. This page summarizes that public data for the 12 months from November 1, 2025 to October 31, 2026, as reported in the CFPB Consumer Complaint Database and retrieved on November 10, 2026.
In that period the CFPB received 90,239 complaints about checking or savings accounts, according to the database.
What people complain about most
| Issue (as categorized by the CFPB) | Complaints | Share |
|---|---|---|
| Managing an account | 52,460 | 58.1% |
| Problem with a lender or other company charging your account | 12,946 | 14.3% |
| Closing an account | 11,853 | 13.1% |
| Opening an account | 7,292 | 8.1% |
| Problem caused by your funds being low | 4,995 | 5.5% |
| Incorrect information on your report | 277 | 0.3% |
Source: CFPB Consumer Complaint Database, product “Checking or savings account”. A complaint can be filed under one main issue.
Companies with the most complaints
| Company (as listed by the CFPB) | Complaints |
|---|---|
| Wells Fargo & Company | 10,099 |
| JPMorgan Chase & Co. | 9,691 |
| Bank of America, National Association | 9,138 |
| Chime Financial Inc | 8,454 |
| Capital One Financial Corporation | 4,350 |
| Block, Inc. | 3,897 |
| Citibank, N.A. | 3,844 |
| Navy Federal Credit Union | 3,578 |
Read this table carefully: larger banks and apps have far more customers, so they receive more complaints. A higher count does not mean a worse bank, and the CFPB does not verify every detail of a complaint before publishing it. Use it as one input, not a ranking.
How to use this when choosing an account
The issue list shows where accounts most often go wrong: day-to-day account management, unexpected charges, account closures and trouble opening an account. When you compare accounts, read the fee schedule and the account agreement for exactly those points, and ask the bank how it handles them before you open an account.
If you have a problem you cannot resolve with your bank, you can submit a complaint to the CFPB for free. Check that your bank is insured with our FDIC bank lookup.
Figures are calculated from the CFPB’s public data on the date shown and are updated periodically. They are provided for general information and are not financial advice.