2,333 institutions tracked · 45 currently scored with high confidence · expanded methodology rolling out Q2 2026
Is your bank one of America's most complained-about?
We cross-referenced 21 independent federal data layers across 2,333 US financial institutions — complaint rates, enforcement actions, fair lending data, AML penalties, and consumer narrative analysis. Not Yelp reviews. Formal government records on permanent public file. Search yours below.
Search your bank, card issuer, or lender
Try: Chase · Wells Fargo · Capital One · Bank of America · Synchrony
See how your bank, card issuer, or lender ranks against every other institution in the dataset — adjusted for size, so the comparison is fair.
Search now ↓Step 2Browse the full rankings to find which institutions have the lowest complaint rates in your product category — so you know your alternatives before you decide.
View rankings →Step 3Switching banks takes about 2 hours of active effort spread over 10 days. Our step-by-step guide walks you through every action — direct debits, salary, and all.
Read the guide →What the numbers actually mean
A complaint rate is not a letter to customer service.
Every complaint in this database is a formal federal filing with the Consumer Financial Protection Bureau — the last resort, after everything else has failed. Research published by the CFPB suggests only around 5% of consumers who experience a serious problem ever file officially. The numbers below are the visible tip.
| Score | What it means in plain English | Risk level |
|---|---|---|
| 6.80 / 1k | 1 in every 147 customers filed a federal complaint Synchrony Financial | Outlier |
| 2.10 / 1k | 1 in every 476 customers filed a federal complaint Capital One | High |
| 0.53 / 1k | 1 in every 1,887 customers filed a federal complaint Chase | Moderate |
| 0.30 / 1k | 1 in every 3,333 customers filed a federal complaint Goldman Sachs — best in class | Low |
These are not complaints to customer service. These are formal filings with the US federal government, on permanent public record — the step consumers take after every other avenue has failed. How we calculate complaint rates →
Rate = CFPB complaints / estimated customers × 1,000 — Source: CFPB + FDIC BankFind
Found a worrying score?
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Most people think it's a week of paperwork.
Direct debits move one at a time. Your salary redirects in one pay cycle. You run both accounts in parallel for 30 days, then close the old one. We've written a step-by-step guide that walks you through exactly this.
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