CFPB Consumer Complaint Profile
Citizens Savings & Loan Corporation, Chattanooga, TN Branch
What 35 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 35
- Total complaints
- Mid-range
- 16
- Last 12 months
- 100%
- Timely response
- Top decile
- 4
- States affected
The verdict
Citizens Savings & Loan Corporation, Chattanooga, TN Branch ranks #2180 of 3,843 financial companies by CFPB complaint volume, with 35 complaints on record. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #2180
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 4
- 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.
Citizens Savings & Loan Corporation, Chattanooga, TN Branch 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3 in 2024 to 15 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 2 |
| 2015 | 2 |
| 2016 | 1 |
| 2018 | 2 |
| 2019 | 2 |
| 2020 | 3 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 15 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Citizens Savings & Loan Corporation, Chattanooga, TN Branch
Citizens Savings & Loan Corporation, Chattanooga, TN Branch carries 35 complaints in the CFPB's database, 16 of them filed within the past 12 months. Consumers spanning 4 states and territories have weighed in, giving this a geographically concentrated footprint. No product draws more complaints than "Credit reporting or other personal consumer reports," which sits at the top of the product breakdown. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Citizens Savings & Loan Corporation, Chattanooga, TN Branch's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 20% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 2.9%.
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 Citizens Savings & Loan Corporation, Chattanooga, TN Branch have?
Citizens Savings & Loan Corporation, Chattanooga, TN Branch has 35 total consumer complaints filed with the CFPB, with 16 filed in the last 12 months.
Does Citizens Savings & Loan Corporation, Chattanooga, TN Branch respond to complaints on time?
Citizens Savings & Loan Corporation, Chattanooga, TN Branch has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Citizens Savings & Loan Corporation, Chattanooga, TN Branch?
Among all products tied to Citizens Savings & Loan Corporation, Chattanooga, TN Branch, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Citizens Savings & Loan Corporation, Chattanooga, TN Branch?
The most common issue reported by consumers about Citizens Savings & Loan Corporation, Chattanooga, TN Branch is "Incorrect information on your report." All complaint issues are listed above with their counts.
How do I file a complaint against Citizens Savings & Loan Corporation, Chattanooga, TN Branch?
You can file a complaint against Citizens Savings & Loan Corporation, Chattanooga, TN Branch 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 Citizens Savings & Loan Corporation, Chattanooga, TN Branch?
Citizens Savings & Loan Corporation, Chattanooga, TN Branch has drawn CFPB complaints from 4 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 Citizens Savings & Loan Corporation, Chattanooga, TN Branch: 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 (20% here).
Also handles Credit reporting or other personal consumer reports
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.