FIRST HAWAIIAN, INC.

CFPB Consumer Complaint Profile

295
Total Complaints
38
Last 12 Months
99%
Timely Response
25
States Affected
FIRST HAWAIIAN, INC. timely response rate 99.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Checking or savings account — Checking account 87
Bank account or service — Checking account 31
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 24
Vehicle loan or lease — Loan 15
Credit card or prepaid card — General-purpose credit card or charge card 12
Credit card — General-purpose credit card or charge card 12
Checking or savings account — Other banking product or service 11
Credit reporting or other personal consumer reports — Credit reporting 11
Credit card 10
Bank account or service — Other bank product/service 8

Top Issues

1.Managing an account 61
2.Incorrect information on your report 28
3.Account opening, closing, or management 18
4.Deposits and withdrawals 16
5.Closing an account 16
6.Problem with a lender or other company charging your account 14
7.Problem caused by your funds being low 12
8.Problem with a purchase shown on your statement 9
9.Managing the loan or lease 7
10.Improper use of your report 6

Complaints by Year

Year Complaints
2011 1
2012 15
2013 14
2014 15
2015 13
2016 13
2017 10
2018 24
2019 13
2020 21
2021 17
2022 25
2023 40
2024 25
2025 41
2026 8

Complaints by State (Top 15)

Hawaii 189
California 24
GU 23
Florida 8
Arizona 6
Nevada 5
Virginia 4
Texas 2
North Carolina 2
Maryland 2
Tennessee 2
MP 2
Georgia 2
Michigan 2
AS 1

Company Responses

Closed with explanation 268
Closed with non-monetary relief 14
Closed with monetary relief 10
Closed without relief 2
Closed with relief 1

What the CFPB Complaint Record Shows for FIRST HAWAIIAN, INC.

The CFPB Consumer Complaint Database has logged 295 complaints against FIRST HAWAIIAN, INC. overall, with 38 of those filed in the trailing 12 months. Reports have come from consumers in 25 states and territories, making this a multi-regional 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. 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.

FIRST HAWAIIAN, INC.'s timely response rate stands at 99%, 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. Consumers formally disputed the company's response in 19.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 9.2% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 FIRST HAWAIIAN, INC. have?

FIRST HAWAIIAN, INC. has 295 total consumer complaints filed with the CFPB, with 38 filed in the last 12 months.

Does FIRST HAWAIIAN, INC. respond to complaints on time?

FIRST HAWAIIAN, INC. has a 99% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for FIRST HAWAIIAN, INC.?

The most complained-about product for FIRST HAWAIIAN, INC. is "Checking or savings account." You can view the full product breakdown on this page.

What is the most common complaint issue with FIRST HAWAIIAN, INC.?

The most common issue reported by consumers about FIRST HAWAIIAN, INC. is "Managing an account." All complaint issues are listed above with their counts.

How do I file a complaint against FIRST HAWAIIAN, INC.?

You can file a complaint against FIRST HAWAIIAN, 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 FIRST HAWAIIAN, INC.?

Consumers in 25 states and territories have filed complaints about FIRST HAWAIIAN, INC. with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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