CFPB Consumer Complaint Profile
Oceanfirst Financial Corp.
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
- 44
- Total complaints
- Mid-range
- 10
- Last 12 months
- 100%
- Timely response
- Top decile
- 7
- States affected
The verdict
Oceanfirst Financial Corp. ranks #1948 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 86th percentile in the 100+ complaint peer group.
- Checking or savings …
- most-complained product
- NJ
- 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.
Oceanfirst Financial Corp. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 6 |
| 2022 | 4 |
| 2023 | 9 |
| 2024 | 11 |
| 2025 | 11 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Oceanfirst Financial Corp.
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Oceanfirst Financial Corp., 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. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. 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 Oceanfirst Financial Corp. have?
The CFPB has logged 44 complaints against Oceanfirst Financial Corp. to date, of which 10 came in over the last 12 months.
Does Oceanfirst Financial Corp. respond to complaints on time?
Oceanfirst Financial Corp. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Oceanfirst Financial Corp.?
"Checking or savings account" draws more CFPB complaints against Oceanfirst Financial Corp. than any other product - see the full breakdown above.
What is the most common complaint issue with Oceanfirst Financial Corp.?
The most common issue reported by consumers about Oceanfirst Financial Corp. is "Managing an account." All complaint issues are listed above with their counts.
How do I file a complaint against Oceanfirst Financial Corp.?
You can file a complaint against Oceanfirst Financial Corp. 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 Oceanfirst Financial Corp.?
The CFPB has recorded complaints against Oceanfirst Financial Corp. from 7 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.