Which Banks Pay Customers After a CFPB Complaint: Monetary Relief Rates for 2025
Original analysis of 420,167 records from the CFPB, 2012–2025. Published October 15, 2026.
We counted 84,195 checking and savings account complaints the CFPB published for 2025 and measured, for every company, how many the company closed with monetary relief, plus the trend since 2012.
What the CFPB complaint records show
Among the 26 companies with at least 500 checking or savings account complaints in 2025, Bank of America, N.A. reported monetary relief most often: in 36.0% of its 6,680 complaints, 3.4× the rate across all companies (10.6%). Capital One Financial closed 1.1% of 7,912 complaints with monetary relief, and 5 of the 26 companies reported none. Across all companies, the share was the lowest of any year since 2012.
- 36.0%BofA checking/savings complaints with money, 2025
- 10.6%All companies, checking/savings, 2025
- 84.2KPublished complaints analyzed, 2025
Bank of America leads the ranking
Bank of America, N.A. closed 2,405 of 6,680 checking or savings complaints with monetary relief in 2025 (36.0%), ahead of Citizens Financial Group (28.6%) and Huntington National Bank (23.4%). It accounts for 27.0% of all monetary relief reported for the product that year.
A wide spread between large companies
Among the 26 companies with 500 or more complaints, 5 reported monetary relief in at least one in five cases and 6 in fewer than one in a hundred, including Block, Inc. and Early Warning Services with none in 3,575 and 816 complaints.
The most complaints, a low relief rate
Navy Federal Credit Union drew the most complaints of any company, 10,606, and closed 4.4% with monetary relief, down from 22.3% in 2024. Capital One Financial's complaints rose from 2,064 to 7,912; its relief rate fell from 7.3% to 1.1%.
Money in fewer complaints than a decade ago
Across all companies, 20.3% of bank account complaints ended with monetary relief in 2012 and 22.9% in 2018, against 10.6% in 2025. Without Navy Federal and Capital One, the 2025 share was 12.7%, compared with 14.9% in 2024.
Charges by a lender lead the issues
Of the issues with at least 1,000 complaints, "Problem with a lender or other company charging your account" ended with monetary relief most often, in 15.0% of cases. "Opening an account" did so least often, in 7.0%.
Which Banks Pay Customers After a CFPB Complaint
The ranking covers every company with at least 500 published checking or savings account complaints received in 2025. Together they drew 73,226 complaints, 87.0% of the total.
Bank of America, N.A. reported monetary relief in 36.0% of its complaints, followed by Citizens Financial Group (28.6%), Huntington National Bank (23.4%) and Citibank (23.1%). JPMorgan Chase reported 8.2% and Wells Fargo 12.9%.
The list mixes banks, a credit union and payment or fintech companies, because consumers file all of them under the same product. Companies are named the way the CFPB names them, which is usually the parent holding company rather than a single brand. Complaint counts are not adjusted for the number of customers; the CFPB advises that companies with more customers may draw more complaints.
Five companies reported no monetary relief at all for 2025: Block, Inc., Early Warning Services, Goldman Sachs Bank USA, Netspend and Robinhood Markets. Their combined 6,095 complaints were closed with an explanation or, in a handful of cases, with non-monetary relief. The CSV with all 472 companies in the database is available for download.
Checking or savings account complaints closed with monetary relief, 2025
| Company | Complaints | With money | Share |
|---|---|---|---|
| Bank of America, N.A. | 6,680 | 2,405 | 36.0% |
| Citizens Financial Group | 981 | 281 | 28.6% |
| Huntington National Bank | 739 | 173 | 23.4% |
| Citibank, N.A. | 3,458 | 800 | 23.1% |
| TD Bank US Holding | 1,290 | 295 | 22.9% |
| Regions Financial | 607 | 113 | 18.6% |
| BMO Bank, N.A. | 700 | 120 | 17.1% |
| PayPal Holdings | 1,059 | 152 | 14.4% |
| Wells Fargo & Company | 8,181 | 1,055 | 12.9% |
| USAA | 1,228 | 155 | 12.6% |
| Ally Financial | 682 | 68 | 10.0% |
| PNC Bank, N.A. | 1,638 | 147 | 9.0% |
| Chime Financial | 5,373 | 449 | 8.4% |
| JPMorgan Chase & Co. | 8,937 | 732 | 8.2% |
| SoFi Technologies | 1,968 | 151 | 7.7% |
All companies in the ranking
| Company | Complaints | With money | Share |
|---|---|---|---|
| U.S. Bancorp | 1,886 | 143 | 7.6% |
| Truist Financial | 1,860 | 132 | 7.1% |
| Fifth Third Financial | 674 | 47 | 7.0% |
| Navy Federal Credit Union | 10,606 | 470 | 4.4% |
| Capital One Financial | 7,912 | 90 | 1.1% |
| FIS (Fidelity National Information Services) | 672 | 1 | 0.1% |
| Block, Inc. | 3,575 | 0 | 0.0% |
| Early Warning Services | 816 | 0 | 0.0% |
| Goldman Sachs Bank USA | 564 | 0 | 0.0% |
| Netspend | 527 | 0 | 0.0% |
| Robinhood Markets | 613 | 0 | 0.0% |
Calendar year 2025 by the date the CFPB received the complaint. Share = complaints closed with monetary relief divided by all published complaints about the company.
Does Filing a CFPB Complaint Still Get You Money
The trend line counts every published complaint about a checking or savings account, and before April 2017 about a bank account or service, by the year the CFPB received it.
The share closed with monetary relief was 20.3% in 2012, 20.1% in 2019 and 10.6% in 2025. The number of complaints with relief still rose, from 2,482 to 8,907, because complaint volume grew; 2012 counts only March to December, when the CFPB began taking bank account complaints.
Complaint volume rose 59.4% from 2024 to 2025, to 84,195. Navy Federal Credit Union and Capital One Financial account for 43.7% of that increase; their complaint counts grew 3.9× and 3.8×. The CFPB's annual report notes a spike in early 2025 following the announcement of several CFPB enforcement matters. Both companies closed few of those complaints with monetary relief, which pulls the 2025 average down. Without them, the 2025 share was 12.7%, below the 14.9% for the same set of companies in 2024.
In its own 2025 report, the CFPB states that companies closed 10% of checking or savings complaints with monetary relief. Our 10.6% uses published complaints as the base; the CFPB's base also includes complaints that companies returned with an administrative response, some of which are never published.
Bank account complaints closed with monetary relief, share by year received
- 201220.3%2,482 of 12,210 complaints
- 201324.9%3,333 of 13,388 complaints
- 201421.5%3,145 of 14,662 complaints
- 201519.7%3,368 of 17,137 complaints
- 201619.9%4,337 of 21,846 complaints
- 201722.9%4,521 of 19,718 complaints
- 201822.9%4,860 of 21,207 complaints
- 201920.1%4,366 of 21,734 complaints
- 202016.4%3,969 of 24,238 complaints
- 202116.0%4,739 of 29,556 complaints
- 202215.9%5,983 of 37,582 complaints
- 202314.4%7,179 of 49,873 complaints
- 202415.0%7,929 of 52,821 complaints
- 202510.6%8,907 of 84,195 complaints
2012 to April 2017: product "Bank account or service"; from April 2017: "Checking or savings account". 2012 covers March to December only, because the CFPB began accepting bank account complaints in March 2012. 2026 is incomplete and not shown.
How Each Bank's Relief Rate Changed From 2024 to 2025
The table compares the monetary relief share of each ranked company in 2024 and 2025; the CSV covers 2021 to 2025.
Bank of America, N.A. had the highest share among companies with 500 or more complaints in 4 of the 5 years from 2021 to 2025, between 30.4% and 40.7%. Navy Federal fell from 22.3% to 4.4%.
Citibank was stable, at 23.6% in 2021 and 23.1% in 2025. Wells Fargo went from 9.8% to 12.9%. JPMorgan Chase's share fell every year in the series, from 16.6% in 2021 to 8.2% in 2025. A dash means the company had no complaints under this name in that year.
Share of checking or savings complaints closed with monetary relief, 2024 and 2025
| Company | Cases 2025 | 2024 | 2025 |
|---|---|---|---|
| Navy Federal Credit Union | 10,606 | 22.3% | 4.4% |
| JPMorgan Chase & Co. | 8,937 | 8.4% | 8.2% |
| Wells Fargo & Company | 8,181 | 13.2% | 12.9% |
| Capital One Financial | 7,912 | 7.3% | 1.1% |
| Bank of America, N.A. | 6,680 | 40.7% | 36.0% |
| Chime Financial | 5,373 | 7.1% | 8.4% |
| Block, Inc. | 3,575 | 0.0% | 0.0% |
| Citibank, N.A. | 3,458 | 25.0% | 23.1% |
| SoFi Technologies | 1,968 | 5.8% | 7.7% |
| U.S. Bancorp | 1,886 | 12.9% | 7.6% |
| Truist Financial | 1,860 | 6.4% | 7.1% |
| PNC Bank, N.A. | 1,638 | 15.0% | 9.0% |
| TD Bank US Holding | 1,290 | 22.3% | 22.9% |
| USAA | 1,228 | 13.3% | 12.6% |
| PayPal Holdings | 1,059 | 12.3% | 14.4% |
All companies in the ranking
| Company | Cases 2025 | 2024 | 2025 |
|---|---|---|---|
| Citizens Financial Group | 981 | 26.2% | 28.6% |
| Early Warning Services | 816 | 0.0% | 0.0% |
| Huntington National Bank | 739 | 34.6% | 23.4% |
| BMO Bank, N.A. | 700 | 21.1% | 17.1% |
| Ally Financial | 682 | 8.3% | 10.0% |
| Fifth Third Financial | 674 | 5.8% | 7.0% |
| FIS (Fidelity National Information Services) | 672 | 0.0% | 0.1% |
| Robinhood Markets | 613 | 0.0% | 0.0% |
| Regions Financial | 607 | 24.1% | 18.6% |
| Goldman Sachs Bank USA | 564 | 1.1% | 0.0% |
| Netspend | 527 | 0.0% | 0.0% |
Which Bank Complaints Most Often End in Money
Consumers pick an issue when they file. The chart shows the 1,000+ complaint issues for checking and savings accounts in 2025.
"Problem with a lender or other company charging your account" ended with monetary relief in 15.0% of 9,609 complaints. The most common issue, "Managing an account", made up 53.4% of complaints and ended with relief in 10.8%.
A small number of complaints filed under checking or savings accounts carry credit-reporting issues; they are listed in the CSV.
Checking or savings complaints closed with monetary relief by issue, 2025
- Managing an account10.8%4,836 of 44,959 complaints
- Problem caused by your funds being low8.0%954 of 11,939 complaints
- Closing an account11.4%1,162 of 10,178 complaints
- Problem with a lender or other company charging your account15.0%1,441 of 9,609 complaints
- Opening an account7.0%490 of 6,957 complaints
All issues
- Incorrect information on your report2.7%6 of 224 complaints
- Problem with a company's investigation into an existing problem7.7%13 of 169 complaints
- Improper use of your report0.0%0 of 64 complaints
- Problem with fraud alerts or security freezes5.9%3 of 51 complaints
- Credit monitoring or identity theft protection services2.9%1 of 35 complaints
- Unable to get your credit report or credit score10.0%1 of 10 complaints
Download the Data and Cite This Study
Every table as a CSV file and in one Excel workbook, a short PDF summary and every chart as an image, free to reuse with attribution (CC BY 4.0).
- CFPB checking or savings account complaints and monetary relief, all companies, 2025Published checking or savings account complaints received in calendar year 2025 and the number closed with monetary relief, for every company named in the CFPB database, by complaint count. · 472 rows · CSV, 16 KB
- CFPB checking or savings account complaints closed with monetary relief, companies with five hundred or more complaints, 2025Every company with at least five hundred published checking or savings account complaints received by the CFPB in calendar year 2025, ranked by the share the company closed with monetary relief. · 26 rows · CSV, 2 KB
- Monetary relief share by company, 2021-2025Checking or savings account complaints and the share closed with monetary relief per year, 2021-2025, for the companies with five hundred or more complaints in 2025. · 26 rows · CSV, 3 KB
- Checking or savings account complaints by issue and monetary relief, 2025Published checking or savings account complaints received in 2025 by the issue the consumer selected, with the number and share closed with monetary relief. · 11 rows · CSV, 1 KB
- Share of CFPB bank account complaints closed with monetary relief, 2012-2025Published complaints per calendar year about checking or savings accounts (before April 2017: bank account or service) and the number and share companies closed with monetary relief. · 14 rows · CSV, 1 KB
- All tables in one Excel workbookOne sheet per table plus an About sheet with sources, method and citation · Excel (.xlsx), 30 KB
- Summary to print or forward (3 pages)Short answer, key figures, main chart, findings, method and citation · PDF, 236 KB
Charts for your story
Checking or savings account complaints closed with monetary relief, 2025
Embed this chart
Bank account complaints closed with monetary relief, share by year received
Embed this chart
Share of checking or savings complaints closed with monetary relief, 2024 and 2025
Embed this chart
Checking or savings complaints closed with monetary relief by issue, 2025
Embed this chart
How to cite
Goldberg, L. (2026). CFPB Checking and Savings Account Complaints — Monetary Relief by Company (2012–2025) [Data set]. Settlement Insight. https://settlementinsight.com/research/banks-complaints-monetary-relief
BibTeX
@dataset{goldberg_2026_banks_complaints_monetary_relief,
author = {Goldberg, Leonard},
title = {CFPB Checking and Savings Account Complaints --- Monetary Relief by Company (2012--2025)},
year = {2026},
publisher = {Settlement Insight},
url = {https://settlementinsight.com/research/banks-complaints-monetary-relief}
}How We Measured
Checked against published figures
- Checking or savings account complaints received in 2025 and sent to companies for response: published 85,400, our count 84,195 (1.41% apart).Consumer Response Annual Report, January 1 – December 31, 2025
Full method and limits of the data
We kept complaints with the product "Checking or savings account" and, for the trend before April 2017, its predecessor "Bank account or service", and assigned each to the calendar year in which the CFPB received it (2012 to 2025). 2012 covers March to December only; 2026 is incomplete and left out. The ranking covers all 26 companies with at least 500 such complaints in 2025, each counted under the company name exactly as it appears in the CFPB field company, without merging name variants. The year is taken from the date the CFPB received the complaint (date_received). In the ranking and text we show a shortened form of that name, for example Bank of America, N.A. for BANK OF AMERICA, NATIONAL ASSOCIATION and Capital One Financial for CAPITAL ONE FINANCIAL CORPORATION; the CSV lists both the shortened and the original CFPB name.
The relief rate is the number of complaints with the company response "Closed with monetary relief" divided by all published complaints about that company in the same year. The CFPB defines this response as a company report of objective, measurable, and verifiable monetary relief to the consumer as a direct result of the steps that have or will be taken in response to the complaint.
To check the data, we compared our count of 84,195 published 2025 checking or savings complaints with the 85,400 complaints the CFPB says it sent to companies; our count is 1.4% lower. The gap is expected, because complaints that companies return with an Alerted CFPB response are not published.
What this data cannot tell you
- The response category is reported by the company. The CFPB itself found that companies sometimes select Closed with explanation although the consumer received monetary or non-monetary relief, so rates can reflect how a company labels its responses as well as how it resolves complaints.
- The database contains no dollar amounts. A complaint closed with monetary relief may involve a refunded fee or a larger sum; the data cannot show how much was paid.
- Complaint counts are not adjusted for company size or customer numbers. The database is not a statistical sample of consumers' experiences, and complaints about depository institutions with less than $10 billion in assets are referred to other regulators and not published.
- The CFPB company name is usually the parent company. Individual brands and subsidiaries are not listed separately.
- Rates for 2025 can still shift slightly if companies or the CFPB update a response later. The table has no complaint ID, so identical complaints filed the same day by the same ZIP code are counted as the CFPB publishes them, as separate complaints.
Frequently Asked Questions
Does filing a CFPB complaint against a bank work?
It sometimes leads to money. In 2025, companies closed 10.6% of published checking and savings account complaints with monetary relief, or 8,907 of 84,195. Most complaints were closed with an explanation.
Which bank pays customers most often after a CFPB complaint?
Among companies with at least 500 checking or savings complaints in 2025, Bank of America, N.A. reported monetary relief most often, in 36.0% of 6,680 complaints. Citizens Financial Group followed with 28.6%.
Which bank has the most CFPB complaints?
For checking and savings accounts in 2025, Navy Federal Credit Union had the most published complaints, 10,606, followed by JPMorgan Chase with 8,937 and Wells Fargo with 8,181. The counts are not adjusted for the number of customers.
What does closed with monetary relief mean on a CFPB complaint?
It means the company reported giving the consumer objective, measurable, and verifiable monetary relief as a direct result of the complaint. The amount is not published.
Has CFPB complaint monetary relief gone down?
Yes, as a share. In 2012, 20.3% of bank account complaints ended with monetary relief, against 10.6% in 2025, the lowest of any year since 2012. The number of complaints with relief rose to 8,907 because complaint volume grew.
Does Capital One pay after CFPB complaints?
Rarely, according to its own reported responses. Capital One Financial closed 1.1% of 7,912 checking or savings complaints in 2025 with monetary relief, compared with 7.3% of 2,064 in 2024.
Sources
- Consumer Complaint Database — Consumer Financial Protection Bureau
- Consumer Response Annual Report, January 1 – December 31, 2025 — Consumer Financial Protection Bureau
- How we share complaint data — Consumer Financial Protection Bureau
- Independent analysis. Settlement Insight is not a law firm and not affiliated with any agency named here. Analysis by Leonard Goldberg, Editor. How we work: methodology, our data.
More Research and Data
Other studies from our database of public legal records — each with free CSV downloads.
Related research
Latest studies
- Dental Data Breaches276 dental breach reports to HHS, 45.7 million individuals affected (sum of reports)
- Mental Health Data BreachesAt least 210 HHS breach reports from mental health and addiction providers, 10.3 million affected (summed)
- Disputed NY Workers' Comp InjuriesNY workers' comp: 47% of hearing-loss claims disputed, 4% of contusions (2022–2024)
- Repeat health breach reportersHumana Inc. has filed 22 breach reports with HHS, more than any other reporting entity