CFPB Consumer Complaint Profile
Dave Operating, LLC
541 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
- 541
- Total complaints
- Above average
- 279
- Last 12 months
- 95.9%
- Timely response
- Below median
- 43
- States affected
The verdict
541 CFPB complaints put Dave Operating, LLC at #482 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 95.9%, the 33rd percentile for the 100+ complaint peer group.
- #482
- of 3,843 companies by volume
- 95.9%
- on time (33rd pctile)
- Checking or savings …
- most-complained product
- 43
- 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.
Dave Operating, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.9% Around the middle higher than 33% 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 106 in 2024 to 257 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 |
|---|---|
| 2022 | 32 |
| 2023 | 86 |
| 2024 | 106 |
| 2025 | 257 |
| 2026year in progress | 60 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Dave Operating, LLC
The CFPB Consumer Complaint Database has logged 541 complaints against Dave Operating, LLC overall, with 279 of those filed in the trailing 12 months. Reports have come from consumers in 43 states and territories, making this a nationwide complaint footprint. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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.
Dave Operating, LLC's timely response rate stands at 95.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 0.2%.
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 Dave Operating, LLC have?
541 complaints have been filed against Dave Operating, LLC with the CFPB overall - 279 of them in the past year.
Does Dave Operating, LLC respond to complaints on time?
CFPB complaints against Dave Operating, LLC draw a 95.9% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Dave Operating, LLC?
"Checking or savings account" draws more CFPB complaints against Dave Operating, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Dave Operating, LLC?
Consumers most often cite "Managing an account" when complaining about Dave Operating, LLC; the full issue list with counts is above.
How do I file a complaint against Dave Operating, LLC?
You can file a complaint against Dave Operating, LLC 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 Dave Operating, LLC?
Consumers in 43 states and territories have filed complaints about Dave Operating, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
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.