CFPB Consumer Complaint Profile
First Niagara Financial Group, Inc.
505 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
- 505
- Total complaints
- Above average
- 0
- Last 12 months
- 97%
- Timely response
- Below median
- 25
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, First Niagara Financial Group, Inc. has accumulated 505 complaints, placing it #507 by volume. On-time replies land at 97%, the 39th percentile for the 100+ complaint peer group.
- #507
- of 3,843 companies by volume
- 97%
- on time (39th pctile)
- Bank account or serv…
- most-complained product
- 25
- 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.
First Niagara Financial Group, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97% Around the middle higher than 39% 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 2016 to 2017 complete years
- Annual CFPB complaint volume moved from 89 in 2016 to 2 in 2017 (2016 → 2017).
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 |
|---|---|
| 2011 | 1 |
| 2012 | 124 |
| 2013 | 103 |
| 2014 | 92 |
| 2015 | 94 |
| 2016 | 89 |
| 2017 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for First Niagara Financial Group, Inc.
505 complaints against First Niagara Financial Group, Inc. appear in the CFPB record, including 0 from the trailing year. The 25 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Bank account or service," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Account opening, closing, or management," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against First Niagara Financial Group, Inc. draw a 97% reply rate inside the Bureau's 15-day window. 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 17.2% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 26.3% closed with some form of monetary or non-monetary relief to the consumer.
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 First Niagara Financial Group, Inc. have?
505 complaints have been filed against First Niagara Financial Group, Inc. with the CFPB overall - 0 of them in the past year.
Does First Niagara Financial Group, Inc. respond to complaints on time?
CFPB complaints against First Niagara Financial Group, Inc. draw a 97% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for First Niagara Financial Group, Inc.?
The most complained-about product for First Niagara Financial Group, Inc. is "Bank account or service." You can view the full product breakdown on this page.
What is the most common complaint issue with First Niagara Financial Group, Inc.?
Consumers most often cite "Account opening, closing, or management" when complaining about First Niagara Financial Group, Inc.; the full issue list with counts is above.
How do I file a complaint against First Niagara Financial Group, Inc.?
You can file a complaint against First Niagara Financial Group, 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 Niagara Financial Group, Inc.?
First Niagara Financial Group, Inc. has drawn CFPB complaints from 25 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 First Niagara Financial Group, Inc.: 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 (17.2% here).
Also handles Bank account or service
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.