CFPB Consumer Complaint Profile
Dave Operating, LLC
The CFPB complaints on file 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
By CFPB complaint volume, Dave Operating, LLC is #482 out of 3,843 financial companies. For answering complaints on time it stands at the 33rd percentile in the 100+ complaint peer group.
- Checking or savings …
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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).
Reading this profile
Source: CFPB Consumer Complaint Database
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 shows a nationwide complaint footprint for Dave Operating, LLC, with consumers across the country filing against it. "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.
Timely response is the share of CFPB-forwarded complaints that receive a company reply within the 15-day window the Bureau expects. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
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.
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
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.