BANK
LOWER RATE THAN 52% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 1.20 · Lowest in dataset 0.21
A lower federal complaint rate per customer than 52.7% of scored peers — though sub-signal observations remain on record.
Methodological confidence: DIRECTIONAL · n=43,620 complaints over 14 years
Customer ratio
—
customers filed a federal complaint
Resolved with relief
31%
received monetary or non-monetary relief
Daily volume
8.4
complaints per day · 2011–2025 average
12.1× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); lower rate than 52.74% of 45 scored institutions.
Where complaints concentrate · top 3 product categories
Credit cards
1.88/1k
31,516
Money transfers
1.14/1k
19,058
Debt collection
0.27/1k
4,570
5 nearest rates in scored dataset
0.99/1k
1.12/1k
1.12/1k
2.10/1k
2.60/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
AMERICAN EXPRESS COMPANY has a significantly above-average complaint rate.
2.60 complaints per 1,000 customers is 8.7× higher than institutions with the best track records. The 43,620 federal complaints on file represent only those consumers who took the step of filing officially — the full picture of dissatisfaction is likely much larger.
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Review the specific complaint categories below to understand what issues are most common before making a decision about this institution.
FULL RECORD
Complaint Profile
Rate / 1,000 customers2.60/1k
Total complaints (2011–2025)43,620
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate2.48%↑ elevated — loan losses high
Tier 1 capital ratio10.9%✓ adequate buffer
Loan loss reserve ratio3.42%
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$3.39B
DFAST stress test (Fed)11.2% CET1 stressed
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
10%
10%
8%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $3.4B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Federal litigation on record via CourtListener/PACER
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
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 ›