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How Do You File a Bank Account Complaint?

Find out how to file a CFPB complaint about a checking or savings account and what bank records to gather first.

Direct answer

To file a bank account complaint with the CFPB, use the complaint portal, choose checking or savings account, identify the bank or credit union, describe the account issue, and attach statements, fee notices, transaction records, or messages. The CFPB may send the complaint to the company or refer it to the appropriate regulator.

bank account issue + account records + CFPB portal = bank account complaint

Bank account complaint examples

Unexpected fee

Statement and fee notice

Shows amount and date

Unauthorized transaction

Transaction record and dispute notes

Shows timing and response

Account closure

Notice or message

Shows bank explanation

Deposit problem

Receipt and statement

Shows missing funds

Customer-service issue

Messages and dates

Shows prior contact

Issue	Helpful proof	Why
Unexpected fee	Statement and fee notice	Shows amount and date
Unauthorized transaction	Transaction record and dispute notes	Shows timing and response
Account closure	Notice or message	Shows bank explanation
Deposit problem	Receipt and statement	Shows missing funds
Customer-service issue	Messages and dates	Shows prior contact

Some complaints go to another regulator

Depending on the financial institution, the CFPB may route or refer the complaint to another regulator that supervises that company.

File the complaint

1Gather account statements, transaction records, notices, and prior messages.
2Open the CFPB complaint portal.
3Choose checking or savings account as the product.
4Name the bank or credit union and describe the problem.
5Attach documents and submit the complaint.

FAQ

Can I complain to CFPB about a checking or savings account?

Yes. The CFPB complaint portal includes checking and savings account issues among the financial products consumers can complain about.

What if my bank is not supervised by CFPB?

The CFPB says complaints may be sent to CFPB-supervised institutions or referred to the appropriate regulator when another agency is a better fit.

What records help with a bank account complaint?

Statements, transaction dates, fee notices, bank messages, dispute letters, and any prior company response can help explain the issue.

Sources & method

We reviewed these references while writing this answer. Figures are estimates — confirm safety-critical work with a professional. Last updated June 7, 2026.