Press Resources
ComplaintRate.com is the only platform in existence that cross-references 21 independent federal data layers on 2,333 US financial institutions and presents them 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 dataset covers 14 million CFPB complaint records filed since 2011, cross-referenced with OCC enforcement actions, Federal Reserve orders, CFPB enforcement records, FDIC failure history, HMDA mortgage denial and racial disparity data, FinCEN anti-money laundering penalties, complaint response quality scores, and consumer narrative analysis across 3.7 million firsthand accounts.
Synchrony Financial — which powers credit cards for Amazon, PayPal, Google, and Lowe's — generates 22 times more complaints per customer than Goldman Sachs.
View data →Capital One generates 5 times more complaints per customer than JPMorgan Chase, despite similar product ranges.
View data →Synchrony Financial's complaint rate of 6.80 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 0.30 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 →Goldman Sachs Bank USA denies Black mortgage applicants at 3.59 times the rate of white applicants (6.3% vs 1.7%). Source: FFIEC HMDA 2023.
View data →Citibank N.A. denies Black mortgage applicants at 3.34 times the rate of white applicants (36.9% vs 11.0%). Citibank also carries 22 active OCC enforcement actions and 3 FDIC bank failures on record.
View data →Vanderbilt Mortgage & Finance — the lending arm of Clayton Homes (Berkshire Hathaway) — denied 72.4% of mortgage applications in 2023 across 74,950 applications. Vanderbilt primarily serves manufactured housing buyers: America's lowest-income homeowners.
View data →Bank of America denied 56.8% of mortgage applications in 2023 across 223,917 applications — the largest volume of any institution in the dataset.
View data →Note: Denial rates reflect all action_taken codes 1, 2, 3, 7 per FFIEC HMDA methodology. Some institutions with limited mortgage activity show elevated rates due to low application volume. Full methodology at complaintrate.com/methodology.
TD Bank was fined $1.3 billion by FinCEN in 2024 for systemic AML failures that enabled drug cartel money laundering — the largest Bank Secrecy Act penalty in US history.
View data →Capital One paid $390 million to FinCEN in 2021 for failing to file Suspicious Activity Reports on over $16 billion in transactions — while simultaneously generating 5× more consumer complaints than JPMorgan Chase.
View data →Citibank N.A. is currently subject to 22 active OCC enforcement actions with over $1 billion in civil money penalties on record — while also carrying a 3.34× racial disparity ratio in mortgage lending.
View data →Total civil money penalties tracked across 191 institutions with active OCC enforcement actions in the ComplaintRate dataset.
View data →ComplaintRate is the first consumer finance tool to measure 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 14 million CFPB complaint records, 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 →Number of US financial institutions now scored on Response Quality — the first time this metric has been computed at scale from public data.
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.
"Goldman Sachs denies Black mortgage applicants at 3.6× the rate of white applicants — we built the tool that shows it"
HMDA 2023 data cross-referenced with CFPB enforcement record. Goldman Sachs Bank USA: 6.3% denial rate for Black applicants vs 1.7% for white applicants across 5,196 applications. Source: FFIEC HMDA 2023, independently verified.
"Berkshire Hathaway's mortgage arm denied 72% of applications in 2023 — 74,950 families turned away"
Vanderbilt Mortgage & Finance is Clayton Homes' lending arm, owned by Berkshire Hathaway. Primarily serves manufactured housing buyers — the lowest-income homeowners in America. 72.4% denial rate across 74,950 applications. Source: FFIEC HMDA 2023.
"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 penalty (2024) cross-referenced with CFPB consumer complaint data — a combination no other public platform has assembled. Both datasets are sourced directly from federal agencies.
"We built the only normalised archive of 14M CFPB complaints. Here's what happens to it if the DC Circuit defunds the bureau."
DC Circuit en banc ruling expected May–July 2026. The ComplaintRate March 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 OCC, Federal Reserve, CFPB, FTC, DOJ, and NCUA 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 an independent data publisher based in the United Kingdom. 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.