CFPB · Narrative-heavy record
Bank of China USA
20 CFPB complaints · 40% with narratives · top issue Managing an account.
Bank of China USA: 40% of 20 filings include consumer narratives. Timely 100% · relief 15% · top product Checking or savings account. Allegations, not findings.
- Narrative-heavy record
- +100% filings 2012 to 2026
CFPB relief outcome brief
CCDB company bank-of-china-usa
15% relief · 100% timely · 20 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Independent Bank Corp. (15% relief)
Bank of China USA closes 15% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bank of China USA's 20 filings include narrative text
40% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bank of China USA complaint mix by product
- Checking or 8 40.0% – 25% relief
- Bank account 4 20.0% – 0% relief
- Credit card 4 20.0% – 0% relief
- Money transfer, 2 10.0% – 50% relief
- Credit card 1 5.0% – 0% relief
- Debt collection 1 5.0% – 0% relief
How Bank of China USA's 20 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 | 8 |
| Bank account or service | 4 |
| Credit card or prepaid card | 4 |
| Money transfer, virtual currency, or money service | 2 |
| Credit card | 1 |
| Debt collection | 1 |
Where Bank of China USA complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 35% of this company's filings
Bank of China USA rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- +100% vs 2012
Top States
| State | Complaints |
|---|---|
| NY | 7 |
| CA | 6 |
| CT | 2 |
| NJ | 1 |
| SC | 1 |
| AZ | 1 |
| PA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 6 |
| Account opening, closing, or management | 4 |
| Problem with a purchase shown on your statement | 4 |
| Closing an account | 2 |
| Identity theft / Fraud / Embezzlement | 1 |
| Fraud or scam | 1 |
| Attempts to collect debt not owed | 1 |
| Other transaction problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2012 | 1 | 100% |
| 2015 | 1 | 100% |
| 2016 | 3 | 100% |
| 2017 | 6 | 100% |
| 2018 | 3 | 100% |
| 2024 | 3 | 100% |
| 2025 | 1 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Bank of China USA's narrative-rich complaint ledger
Bank of China USA's 20 logged complaints stay concentrated: only 7 states show a filing. 40% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2012 through 2026-04-24.
Bank of China USA answers 100% of complaints inside the CFPB's tracked window and closes 80% with a written explanation. 15% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Checking or savings account" draws the most filings, most often for "Managing an account."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bank of China USA.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bank of China USA: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 20.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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.
Data sourced from official public datasets for Bank of China USA (100% timely; 15% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record