CITIZENS FINANCIAL GROUP, INC.
BANK
LOWER RATE THAN 52% OF SCORED PEERS
Data last verified: March 2026 snapshot|19 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.83PER 1,000 CUSTOMERS
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=15,429 complaints over 14 years
Customer ratio
—
customers filed a federal complaint
Resolved with relief
22%
received monetary or non-monetary relief
Daily volume
3.0
complaints per day · 2011–2025 average
3.9× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); lower rate than 52.74% of 45 scored institutions.
Where complaints concentrate · top 3 product categories
Checking & savings
0.33/1k
6,082
Mortgages
0.20/1k
3,632
Credit cards
0.06/1k
1,069
TOTAL COMPLAINTS
15,429
all years
YEAR-ON-YEAR
—
—
RESOLUTION RATE
22%
above CFPB median
SHADOW RATE
~0/1k
directional
FEDERAL CONSENSUS
0 / 6
no active records
5 nearest rates in scored dataset
FIFTH THIRD FINANCIAL CORPORATION
0.72/1k
BANK OF AMERICA, NATIONAL ASSOCIATION
0.74/1k
CITIBANK, N.A.
0.75/1k
U.S. BANCORP
0.77/1k
▸ CITIZENS FINANCIAL GROUP, INC.
0.83/1k
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

CITIZENS FINANCIAL GROUP, INC. performs slightly below the industry benchmark.

A rate of 0.83 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 15,429 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.

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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.83/1k
Total complaints (2011–2025)15,429
Timely response rate100.0%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate-0.01%✓ healthy
Tier 1 capital ratio14.3%✓ adequate buffer
Loan loss reserve ratio1.62%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
DFAST stress test (Fed)7.9% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate23.4%
Denial rate — White applicants0.0%
Denial rate — Black applicants0.0%
Denial rate — Hispanic applicants23.4%
Racial disparity index1.00×✓ near parity
Based on 22,026 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
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
Managing an account21%
Trouble during payment process8%
Incorrect information on your report5%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
No DNA profile signals computed for this institution.
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 ›