Press Resources
ComplaintRate.com cross-references federal data from 12 independent federal sources on 2,333 US financial institutions and presents it in plain English. The data that protects ordinary people from financial harm is public, free, and sitting in government databases. It has never been presented in a way that actually benefits them. That is what ComplaintRate fixes.
The archive draws on the 15M+-row CFPB complaint database (2011–present), cross-referenced with OCC enforcement actions, Federal Reserve orders, CFPB enforcement records, FDIC failure history, FinCEN anti-money laundering penalties, complaint response quality scores, and consumer narrative analysis across the ~3.0M banking, card, mortgage and lending complaints that remain after filtering out credit-reporting disputes.
Synchrony Financial — which powers credit cards for Amazon, PayPal, Google, and Lowe's — generates more than 21× the complaints per customer of Goldman Sachs.
View data →Capital One generates nearly 4 times more complaints per customer than JPMorgan Chase, despite similar product ranges.
View data →Synchrony Financial's complaint rate of 6.86 per 1,000 customers is the highest of any major US financial institution in the scored set.
View data →Goldman Sachs Bank USA has a complaint rate of 0.32 per 1,000 customers — among the lowest in the scored set.
View data →Citibank N.A. had 70,018 customers escalate complaints to federal level and receive no resolution — no money back, no fix, no explanation accepted.
View data →TD Bank was assessed a $1.3 billion civil money penalty by FinCEN on October 10, 2024 for systemic Bank Secrecy Act / anti-money-laundering failures — the largest penalty against a depository institution in FinCEN history. Source: FinCEN enforcement action, fincen.gov.
View data →Capital One was assessed a $390 million civil money penalty by FinCEN on January 15, 2021 for Bank Secrecy Act violations — including willfully failing to file thousands of Suspicious Activity Reports, and negligently failing to file Currency Transaction Reports on roughly 50,000 cash transactions representing over $16 billion — while generating nearly 4× more consumer complaints than JPMorgan Chase. Source: FinCEN enforcement action, fincen.gov.
View data →Disclosure rule: ComplaintRate cites individually adjudicated federal penalties where the issuing agency has published the specific figure (e.g. FinCEN civil money penalties). Aggregate enforcement totals across multiple institutions remain under review pending independent verification, and are not published here.
ComplaintRate's Response Quality Score measures not just how many complaints a bank receives, but how seriously it takes each one. Response Quality Scores are derived from analysis of company responses across the ~3.0M banking, card, mortgage and lending complaints we analyse (filtered from the 15M+-row federal database), covering monetary relief rates, response timeliness, template usage, and resolution language.
Citibank N.A.'s public responses to CFPB complaints are 99.8% templated — virtually every response to every consumer is copy-paste boilerplate.
View data →Consumer complaint narratives analysed to produce Alarm Word Scores — measuring how frequently terms like 'fraud', 'unauthorized', and 'identity theft' appear in complaints against each institution.
View data →Story Angles
Each angle below links directly to the underlying data. Raw data extracts and embargo arrangements available on request.
"TD Bank was fined $1.3B for laundering drug cartel money. It also has one of the highest complaint rates of any major bank."
FinCEN $1.3B Bank Secrecy Act civil money penalty (October 10, 2024 — the largest against a depository institution in FinCEN history) cross-referenced with CFPB consumer complaint data — a combination we are not aware of another public platform assembling. Both datasets are sourced directly from federal agencies; FinCEN action published at fincen.gov.
"We built a normalised archive from the CFPB's 15M+-row complaint database with no public equivalent we are aware of. Here's what happens to it if the DC Circuit defunds the bureau."
DC Circuit en banc ruling expected May–July 2026. The ComplaintRate May 2026 snapshot is the complete normalised, entity-resolved US consumer financial complaint record — preserved independently of CFPB operational status on separate infrastructure.
"These banks have complaint rates in the top 10% nationally — and have never once been fined by a federal regulator."
Cross-referencing CFPB complaint percentile rankings with enforcement records across multiple federal enforcement datasets produces a list of institutions showing high consumer harm signals with zero public regulatory response.
Methodology
Complaint rates are normalised using FDIC deposit data as a proxy for customer base (total deposits ÷ $10,000), producing complaints per 1,000 estimated customers per year. A manually curated entity resolution table maps CFPB name variants to canonical institution names and links them to FDIC records. All scoring is algorithmic; no institution can pay to alter its score or ranking.
Full methodology including HMDA denial rate calculation, Response Quality Score construction, and data confidence tiers is available at complaintrate.com/methodology.
Data Sources
About ComplaintRate
ComplaintRate is an independent data product with no advertising relationships with the institutions it scores. No institution can pay to alter its score, suppress a banner, or influence its ranking. All data is sourced from US federal government public records.
ComplaintRate is operated by ComplaintRate Ltd (Companies House 17200637), a wholly owned subsidiary of Asymmetry Data Ltd (Companies House 17189579). Both companies are UK private limited companies registered in England & Wales. Registered office: 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ.
The product is in active development. Phase 14 (September 26, 2026) will expand coverage to all 28,800 institution and category pages.
For press enquiries, interview requests, data questions, or access to underlying datasets:
Select “Media / Press enquiry” for priority handling. We respond within 24 hours. Raw data extracts, methodology documentation, and embargo arrangements are available for verified journalists on request.
How to Cite
ComplaintRate is not affiliated with, endorsed by, or connected to the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), the Federal Reserve, the Financial Crimes Enforcement Network (FinCEN), or any government agency. All data is sourced from publicly available US federal government databases.