Total complaints
16
Filed since 2012
2026 data Public-data reference. official source
Bank of China USA
16 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
16 consumer complaints filed with the CFPB
This profile shows Bank of China USA's complaint history from CFPB public records. 16 consumers have filed complaints since 2012. The company has a 100% timely response rate and has provided relief in 12.5% of cases.
16
Total Complaints
100%
Timely Response
0%
Disputed
12.5%
Relief Provided
6
States Active
2012
Since
Timely response
100%
CFPB-tracked response window
Relief rate
12.5%
Closed with monetary or non-monetary relief
Timely response rate 100.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 12.5%
Industry median
Share closed with monetary or non-monetary relief.
Bank of China USA complaint mix by product
- Checking or 6 37.5% – 33% relief
- Credit card 4 25.0% – 0% relief
- Bank account 3 18.8% – 0% relief
- Credit card 1 6.3% – 0% relief
- Money transfer, 1 6.3% – 0% relief
- Debt collection 1 6.3% – 0% relief
How Bank of China USA's 16 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 6 |
| Credit card or prepaid card | 4 |
| Bank account or service | 3 |
| Credit card | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Debt collection | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 6 |
| NY | 4 |
| CT | 2 |
| PA | 1 |
| SC | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 4 |
| Problem with a purchase shown on your statement | 4 |
| Account opening, closing, or management | 3 |
| Closing an account | 2 |
| Identity theft / Fraud / Embezzlement | 1 |
| Other transaction problem | 1 |
| Attempts to collect debt not owed | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2015 | 1 | 100% |
| 2016 | 2 | 100% |
| 2017 | 5 | 100% |
| 2018 | 3 | 100% |
| 2024 | 3 | 100% |
| 2025 | 1 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Bank of China USA
Bank of China USA has accumulated 16 consumer complaints in the CFPB public database, with filings active across 6 U.S. states. Of those submissions, 4 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2012, and the most recent logged activity is 2025-01-06, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Bank of China USA reports a 100% timely-response rate and has closed 81.3% of cases with a written explanation to the consumer. 12.5% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Checking or savings account", and the single most common underlying issue is "Managing an account".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Bank of China USA: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Bank of China USA have?
Bank of China USA has received 16 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Bank of China USA respond to complaints on time?
Bank of China USA has a 100% timely response rate to CFPB complaints.
What is the most common complaint about Bank of China USA?
The most common issue reported against Bank of China USA is "Managing an account" in the "Checking or savings account" product category.
Read our methodology — how this data is sourced, computed, and verified.
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