CFPB Consumer Complaint Profile
Community Financial System, Inc.
196 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 196
- Total complaints
- Above average
- 37
- Last 12 months
- 98%
- Timely response
- Below median
- 16
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Community Financial System, Inc. has accumulated 196 complaints, placing it #953 by volume. On-time replies land at 98%, the 48th percentile for the 100+ complaint peer group.
- #953
- of 3,843 companies by volume
- 98%
- on time (48th pctile)
- Checking or savings …
- most-complained product
- 16
- 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.
Community Financial System, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98% Around the middle higher than 48% 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 25 in 2024 to 39 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 |
|---|---|
| 2017 | 1 |
| 2018 | 13 |
| 2019 | 25 |
| 2020 | 19 |
| 2021 | 22 |
| 2022 | 19 |
| 2023 | 28 |
| 2024 | 25 |
| 2025 | 39 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Community Financial System, Inc.
196 complaints against Community Financial System, Inc. appear in the CFPB record, including 37 from the trailing year. The 16 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Checking or savings account," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Managing an account" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Community Financial System, Inc. draw a 98% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 14.8% 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 Community Financial System, Inc. have?
Community Financial System, Inc. has 196 total consumer complaints filed with the CFPB, with 37 filed in the last 12 months.
Does Community Financial System, Inc. respond to complaints on time?
CFPB complaints against Community Financial System, Inc. draw a 98% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Community Financial System, Inc.?
Among all products tied to Community Financial System, Inc., "Checking or savings account" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Community Financial System, Inc.?
"Managing an account" is the single most frequently cited issue in complaints against Community Financial System, Inc. - see all issues and counts above.
How do I file a complaint against Community Financial System, Inc.?
You can file a complaint against Community Financial System, Inc. 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 Community Financial System, Inc.?
The CFPB has recorded complaints against Community Financial System, Inc. from 16 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
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.