Among banks, Capital One drew the most consumer complaints in the 12 months from October 2025 to September 2026: 34,524, ahead of JPMorgan Chase (26,879), Bank of America (24,386), Citibank (24,020) and Wells Fargo (23,245) [1]. Measured against the size of each company's main bank, card lenders rank highest: Synchrony drew 194 complaints per $1 billion of deposits and Capital One 67, while JPMorgan Chase drew 9.5 [1][2]. All companies together received 7.04 million complaints in the period, and 87.9% named one of the three national credit bureaus [1].
Which banks get the most consumer complaints?
The table ranks the large banks and card lenders by complaints received in the 12 newest complete months, October 2025 through September 2026, as of October 12, 2026. Each complaint is counted under the company it names, as published, which is sometimes the holding company (for example "JPMorgan Chase & Co.") and sometimes the bank. Relief is the share of closed complaints where the company gave the consumer money back or another fix [1].
| Rank | Company named in complaints | Complaints, 12 months | Share closed with relief | Share closed with money back | Answered on time |
|---|---|---|---|---|---|
| 1 | Capital One Financial | 34,524 | 16.4% | 5.5% | 100.0% |
| 2 | JPMorgan Chase & Co. | 26,879 | 14.3% | 7.5% | 100.0% |
| 3 | Bank of America | 24,386 | 29.1% | 24.4% | 99.4% |
| 4 | Citibank | 24,020 | 45.2% | 19.6% | 100.0% |
| 5 | Wells Fargo & Company | 23,245 | 21.3% | 8.5% | 100.0% |
| 6 | Synchrony Financial | 16,696 | 16.9% | 9.0% | 96.1% |
| 7 | American Express | 11,794 | 25.4% | 10.6% | 98.9% |
| 8 | U.S. Bancorp | 6,961 | 28.3% | 6.7% | 100.0% |
| 9 | Santander Holdings USA | 6,711 | 34.5% | 1.1% | 100.0% |
| 10 | Goldman Sachs Bank USA | 6,429 | 30.3% | 10.1% | 100.0% |
| 11 | TD Bank US Holding Company | 6,403 | 24.3% | 11.6% | 100.0% |
| 12 | Ally Financial | 5,977 | 7.8% | 3.0% | 100.0% |
| 13 | Truist Financial | 5,892 | 9.3% | 3.6% | 100.0% |
| 14 | Barclays Bank Delaware | 5,685 | 3.6% | 3.2% | 100.0% |
| 15 | PNC Bank | 3,915 | 9.5% | 8.7% | 100.0% |
Source: DataPorium Banking, consumer complaints received October 2025 to September 2026, data as of October 12, 2026 [1]. Shares are of closed complaints; "answered on time" is of all complaints, rounded to one decimal. Complaint counts for recent months can still change as companies answer.
Fintech companies also draw many complaints without being large banks: Block, the company behind Cash App, had 15,958, Chime 12,813 and PayPal 12,302 [1]. Navy Federal Credit Union, the largest credit union, had 10,554, and USAA had 3,305 [1]. Discover Bank, now part of Capital One, had 3,577 complaints listed under its own name, the last in March 2026 [1].
Which companies get the most complaints overall?
The three national credit bureaus dominate the complaint data. TransUnion (TRU) was named in 2,261,040 complaints in the 12 months, Equifax (EFX) in 2,015,809 and Experian in 1,905,976: together 6.18 million, or 87.9% of all 7.04 million complaints [1]. Credit reports were the subject of 90.7% of all complaints, followed by debt collection (4.6%), credit cards (1.4%) and bank accounts (1.3%) [1].
The bureaus answered almost every complaint on time, but they differed in outcomes: 44.6% of closed complaints about Equifax and 42.2% about TransUnion ended with relief such as a corrected report, against 9.7% for Experian [1]. After the bureaus, the next companies by complaints were LexisNexis (34,747), Capital One (34,524) and CL Holdings (28,708) [1].
In the 12 months to September 2026, Capital One drew the most complaints of any bank (34,524), while the three credit bureaus drew 87.9% of all 7.04 million complaints.
Which banks get the most complaints relative to their size?
Large banks get more complaints because they have more customers. To compare banks of different sizes, the table divides each company's complaints by the deposits of its main bank on June 30, 2026, giving complaints per $1 billion of deposits [1][2].
| Rank | Company | Complaints, 12 months | Main bank's deposits | Complaints per $1B of deposits |
|---|---|---|---|---|
| 1 | Synchrony Financial (SYF) | 16,696 | $86.0B | 194.2 |
| 2 | Barclays Bank Delaware (BCS) | 5,685 | $35.3B | 161.0 |
| 3 | Santander Holdings USA (SAN) | 6,711 | $84.4B | 79.5 |
| 4 | American Express (AXP) | 11,794 | $171.6B | 68.7 |
| 5 | Capital One (COF) | 34,524 | $512.6B | 67.4 |
| 6 | Ally Financial (ALLY) | 5,977 | $156.6B | 38.2 |
| 7 | TD Bank (TD) | 6,403 | $277.7B | 23.1 |
| 8 | Citibank (C) | 24,020 | $1,547.6B | 15.5 |
| 9 | Wells Fargo (WFC) | 23,245 | $1,563.5B | 14.9 |
| 10 | Truist (TFC) | 5,892 | $419.2B | 14.1 |
| 11 | Goldman Sachs Bank USA (GS) | 6,429 | $498.8B | 12.9 |
| 12 | U.S. Bancorp | 6,961 | $541.9B | 12.8 |
| 13 | Bank of America (BAC) | 24,386 | $2,121.8B | 11.5 |
| 14 | Citizens (CFG) | 2,160 | $188.7B | 11.4 |
| 15 | Fifth Third (FITB) | 2,455 | $240.9B | 10.2 |
| 16 | JPMorgan Chase (JPM) | 26,879 | $2,820.3B | 9.5 |
| 17 | Huntington (HBAN) | 1,991 | $227.1B | 8.8 |
| 18 | PNC (PNC) | 3,915 | $457.8B | 8.6 |
| 19 | M&T (MTB) | 1,448 | $172.3B | 8.4 |
| 20 | BMO (BMO) | 1,346 | $194.1B | 6.9 |
| 21 | KeyCorp (KEY) | 923 | $158.5B | 5.8 |
Source: DataPorium Banking; complaints October 2025 to September 2026 and bank deposits on June 30, 2026 [1][2]. Ratios computed by DataPorium. The main bank is the company's largest bank charter (for example JPMorgan Chase Bank for JPMorgan Chase & Co., Santander Bank for Santander Holdings USA); B = billion US dollars.
Why card lenders rank highest
The ratio favors banks that mostly take deposits and penalizes companies that mostly lend to consumers, or whose complaints include lending units outside the main bank, such as Santander's auto lending. Synchrony Bank and Barclays Bank Delaware issue store and co-branded credit cards and report a single office each, so most of their customers are borrowers, not depositors [2][4]. Credit cards were the third-largest complaint category, with 95,323 complaints, and Capital One (13,565), Citibank (12,059) and Synchrony (9,177) led it [1]. The ratio is therefore a size-adjusted count, not a measure of service quality.
Among the large branch banks, KeyCorp (5.8), BMO (6.9), M&T (8.4) and PNC (8.6) had the fewest complaints per $1 billion of deposits, while TD Bank (23.1) had the most [1][2].
What do people complain about at banks?
For checking and savings accounts, the most complaints named Wells Fargo (10,000), JPMorgan Chase (9,546), Bank of America (8,867) and Chime (8,342) [1]. Outcomes varied widely: 41.1% of Bank of America's closed bank account complaints ended with relief, mostly money back (37.9%), against 12.7% at JPMorgan Chase and 17.4% at Wells Fargo [1][5].
By product group across all companies, the share of closed complaints with relief was highest for credit reports (33.2%) and credit cards (27.0%), and lowest for student loans (2.4%) and mortgages (4.8%) [1]. Student loan servicers answered only 69.2% of complaints on time, the lowest of any product group; the servicer MOHELA answered 37.9% on time [1].
How the complaint data work
- Source: complaints consumers send to the Consumer Financial Protection Bureau, published in its public complaint database and counted by DataPorium by the month received [1][6].
- Not verified: a complaint is the consumer's account. The bureau does not confirm the facts, and a complaint does not mean the company broke a rule [1].
- Size matters: larger companies with more customers get more complaints, which is why the second table divides by deposits [1].
- Period: the 12 newest complete months, October 2025 through September 2026; October 2026 is partial and left out [1].
- Company names: as published. A holding company's complaints can include its mortgage, card and other units, while deposits are those of its main bank [1][2].
Frequently asked questions
Which bank has the most complaints?
Capital One, with 34,524 complaints from October 2025 to September 2026, followed by JPMorgan Chase (26,879) and Bank of America (24,386) [1].
Which company has the most consumer complaints?
TransUnion, with 2,261,040 complaints in the 12 months, ahead of Equifax (2,015,809) and Experian (1,905,976) [1].
Which big bank has the fewest complaints?
Relative to deposits, KeyCorp had the fewest of the 21 companies compared, 5.8 complaints per $1 billion of deposits, followed by BMO at 6.9 [1][2].
Are consumer complaints verified?
No. Complaints are the consumer's account and are published without verification; companies answered 99.9% of credit report complaints on time in the period [1][6].
Sources & References
- [1] DataPorium Banking, Consumer complaints (complaints by company and product, 12 months to September 2026)
- [2] DataPorium Banking (US banks ranked by deposits, quarter ended June 30, 2026)
- [3] DataPorium Capital One, National Association (bank financials and complaints)
- [4] DataPorium Synchrony Bank (bank financials and complaints)
- [5] DataPorium Bank of America, National Association (bank financials and complaints)
- [6] Consumer Financial Protection Bureau, Consumer Complaint Database (accessed October 13, 2026)
