VERY HIGH RISK

EVERBANK, NATIONAL ASSOCIATION — Rated VERY HIGH

Consumer complaint rating · Based on federal CFPB data · How we score

⚠Based on real complaints filed by customers like you
1 in 2,236customers had to complain officiallyNot a call to customer service — a formal complaint to the US government, on permanent public record
95%of complaints never resolvedThat's 1,576 real people who complained officially and got absolutely nothing
1,653official complaints on recordEvery complaint is a formal filing with the US government — not a review, a customer who felt they had no other option
Show me safer banks →

HUNTINGTON NATIONAL BANK, THE has a 1.1× lower complaint rate — and we have two other options too

Overall Risk ScoreHow is this calculated?
33/100Very High
✗ NOT RECOMMENDEDWorse than 48% of rated US banksShow me safer banks ↓
0.45/1kHow often customers complained
5% fixedHow often problems got fixed
1% refundedHow often money got returned

Score: complaint rate (60%) · problems resolved (30%) · money returned (10%) · full methodology

What the data says about your risk— Low Risk

If you are a customer of EVERBANK, NATIONAL ASSOCIATION, the data shows an above-average complaint rate. More customers here needed to escalate disputes than at most comparable institutions.

1 in 2,236 customers felt they had no choice but to complain officially

This is not a complaint to customer service. This is a formal complaint filed with the US government, on permanent public record — the last resort after everything else failed.

1,576 people complained officially and got absolutely nothing

That is 95% of everyone who escalated. They filed. They waited. They were told no. No money returned. No correction made.

Only 1% of complaints resulted in any money being returned

A further 95% were closed with an explanation only — the institution said "we disagree." No money moved. No correction made. The complaint was marked resolved.

97% response rate — but only 5% of complaints were actually resolved

The law requires a reply within 15 days — and they met that. But replying is not the same as fixing. The data shows they are far better at responding than resolving.

77% of all complaints come from Mortgages alone

That is 1,269 individual complaints in one product area. If you hold a mortgages account here, this risk applies directly to you.

Where their complaints are worst

Mortgages — 0.34 complaints per 1,000 customers

Customers most commonly report payments applied to the wrong account, loan modification requests that did not progress, and processing errors during the most financially critical moment of their lives.

All figures from the CFPB Consumer Complaint Database and FDIC BankFind — US federal public records.

You might be thinking: this probably won't happen to me. You're right — most customers here never need to file a federal complaint. But 1 in 2236 did. And of those who escalated, 95% walked away with nothing resolved. The question isn't whether it will happen — it's whether you want to bank somewhere with better odds if it does.

✦ Our Top Recommendation

HUNTINGTON NATIONAL BANK, THE

1.1× lower complaint rate than EVERBANK, NATIONAL ASSOCIATION

LOWER RISK
  • Federal data records a complaint rate of 0.39/1,000 customers — significantly fewer unresolved complaints than EVERBANK, NATIONAL ASSOCIATION
  • If you ever needed to escalate a problem, you would statistically be 1.1× less likely to end up filing with the federal government
  • Switching takes about 2 hours of active effort — see our step-by-step guide
▼ See 2 more alternatives

TRUIST FINANCIAL CORPORATION

1.1× lower · 0.42/1k

Open a Truist account

FIRSTBANK PUERTO RICO

1.1× lower · 0.42/1k

View rating →

“But switching banks sounds like a headache.”

It usually isn't. The average US bank switch takes under 2 hours of active effort, spread across about 10 days. Direct debits can be moved one at a time. Your employer redirects your salary in one pay cycle. You run both accounts in parallel for 30 days — then close the old one.

Read our step-by-step switching guide →
High confidence
What does this confidence level mean?

High confidence — based on 1,653 complaints and verified FDIC deposit data. Rate is accurate.

✔CFPB Public Complaint Database✔FDIC BankFind✔US Federal Public Records✔4,977 institutions analysed

Full Data Record

Complaint Rate

0.45/1k

customers per year (CFPB data)

Total Complaints Filed

1,653

with the CFPB (2011–present)

"We Disagree" Letters

95%

closed with "we disagree" — no fix, no money

Accepted Bank's Rejection

90%

of complainants gave up after bank said no

People Who Got Nothing

1,576

escalated to federal level and walked away empty-handed

Estimated True Impact

33,060

estimated affected customers (CFPB: ~5% ever file)

How This Compares

EVERBANK, NATIONAL ASSOCIATION's complaint rate of 0.45/1,000 ranks better than 52% of institutions in the ComplaintRate dataset.

▼ Show comparison chart (5 rated institutions)
FIRSTBANK PUERTO RICO
0.42/1k
KEYCORP
0.48/1k
TRUIST FINANCIAL CORPORATION
0.42/1k
OPTUM BANK, INC.
0.49/1k
HUNTINGTON NATIONAL BANK, THE
0.39/1k

Breakdown by Product

Mortgages0.34/1k
See Mortgages detail →1,269 complaints

Browse by Product Category

Credit CardsMortgageChecking & SavingsPersonal LoansStudent LoansAuto LoansMoney TransferDebt CollectionAll Banks →
▼ Methodology & data sources

Complaint rates are calculated by dividing total CFPB complaints by estimated customer base (derived from FDIC deposit data), normalised to complaints per 1,000 customers per year. Source: Consumer Financial Protection Bureau public complaint database (2011–present).

Resolution statistics reflect outcomes recorded in the CFPB database as reported by financial institutions. All language describes what the data shows — not the intent of any institution.

Composite Risk Score weights complaint rate (60%), resolution rate (30%), and monetary relief rate (10%). Full methodology →