CFPB Consumer Complaint Profile
Bank of China USA
Behind the 18 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 18
- Total complaints
- Below average
- 0
- Last 12 months
- 100%
- Timely response
- Top decile
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Bank of China USA has accumulated 18 complaints, placing it #3004 by volume. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3004
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Checking or savings …
- most-complained product
- 7
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bank of China USA vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 1 |
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 6 |
| 2018 | 3 |
| 2024 | 3 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bank of China USA
The CFPB Consumer Complaint Database has logged 18 complaints against Bank of China USA overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 7 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Checking or savings account," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing an account," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Bank of China USA posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 16.7% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bank of China USA have?
18 complaints have been filed against Bank of China USA with the CFPB overall - 0 of them in the past year.
Does Bank of China USA respond to complaints on time?
Bank of China USA's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Bank of China USA?
The most complained-about product for Bank of China USA is "Checking or savings account." You can view the full product breakdown on this page.
What is the most common complaint issue with Bank of China USA?
Consumers most often cite "Managing an account" when complaining about Bank of China USA; the full issue list with counts is above.
How do I file a complaint against Bank of China USA?
You can file a complaint against Bank of China USA directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bank of China USA?
Bank of China USA has drawn CFPB complaints from 7 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Bank of China USA: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.