BANK
HIGHER RATE THAN 97% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.21
A higher federal complaint rate per customer than 97% of scored peers in the 45-bank dataset.
Methodological confidence: HIGH · n=7,357 complaints over 14 years
Customer ratio
1 in 2,089
customers filed a federal complaint
Resolved with relief
26%
received monetary or non-monetary relief
Daily volume
1.4
complaints per day · 2011–2025 average
2.2× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); 1.0× the sector median; higher rate than 97.26% of 45 scored institutions.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Checking & savings
0.21/1k
3,170
Mortgages
0.06/1k
973
Credit cards
0.05/1k
828
5 nearest rates in scored dataset
0.45/1k
0.48/1k
0.49/1k
0.53/1k
0.54/1k
Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agencyWHAT THIS MEANS FOR YOU
KEYCORP is a low-risk institution based on federal complaint data.
At 0.48 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.
→
Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.
Complaint Profile
Rate / 1,000 customersCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.48/1k
Total complaints (2011–2025)Total complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.7,357
Year-on-year changeChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+30%worsening
Timely response rate% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.7%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal Reserve
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
○ No enforcement actions found across 7 federal agencies. Grey dots indicate no formal regulatory action on record.
Financial Health Indicators
Net charge-off rateLoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.0.41%✓ healthy
Tier 1 capital ratioCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher means a stronger buffer against losses and financial stress.12.8%✓ adequate buffer
Loan loss reserve ratioFunds set aside to cover anticipated loan losses. Higher reserves suggest the institution expects deteriorating credit quality ahead.1.33%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$2.5B
DFAST stress test (Fed)7.6% CET1 stressed
Top Complaint Categories
2470%
570%
460%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate99.7%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
⚑Received TARP government bailout: $2.5B
⚑Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATECFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.48/1k
National median ≈ 0.30/1k
Source: CFPB →ⓘHigh confidence
YEAR-ON-YEAR TRENDChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 30%
Worsening trend
NET CHARGE-OFF RATELoans written off as unrecoverable as a % of total loans. Above 2% is elevated; above 1% warrants monitoring. Source: FDIC Call Report Q4 2025.
0.41%
Loan losses written off
Source: FDIC Call Report →TIER 1 CAPITAL RATIOCore capital as a % of risk-weighted assets. Regulatory minimum ≈10%. Higher = stronger buffer against financial stress.
12.8%
Regulatory min ≈ 10%
Source: FDIC Call Report →BETTER-RATED ALTERNATIVES
Step 1
Find My Bank's Score
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 2See Who Performs Better
Browse 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 3Switch Without the Hassle
Switching 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 →Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›