CFPB · Slower timely-response band
Bank of the West
2.4K CFPB complaints · 96.6% timely (slow band) · top issue Managing an account.
Bank of the West answers 96.6% on time (lower third) across 2.4K filings. Relief 17.4% · top product Checking or savings account. Allegations, not findings.
- Slower timely-response band
- +8800% filings 2011 to 2023
CFPB relief outcome brief
CCDB company bank-of-the-west
17.4% relief · 96.6% timely · 2.4K filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Bci Financial Group, Inc. (17.4% relief)
Bank of the West closes 17.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Bank of the West scores strongest on timely response (94/100 percentile-benchmarked) and weakest on closed with explanation (68/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
81 / 100 percentile-benchmarked
17.4% of complaints closed with relief to the consumer
Timely response
94 / 100 percentile-benchmarked
96.6% of complaints answered inside the CFPB 15-day window
Closed with explanation
68 / 100 percentile-benchmarked
82.5% of complaints closed with an explanation to the consumer
How 2.4K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bank of the West complaint mix by product
- Checking or 905 41.6% – 20% relief
- Bank account 458 21.1% – 33% relief
- Mortgage 255 11.7% – 9% relief
- Vehicle loan 191 8.8% – 3% relief
- Credit reporting, 133 6.1% – 8% relief
- Credit card 125 5.7% – 6% relief
- Consumer Loan 107 4.9% – 16% relief
Higher-relief mix: how Bank of the West's 2.4K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Checking or savings account | 905 |
| Bank account or service | 458 |
| Mortgage | 255 |
| Vehicle loan or lease | 191 |
| Credit reporting, credit repair services, or other personal consumer reports | 133 |
| Credit card or prepaid card | 125 |
| Consumer Loan | 107 |
| Debt collection | 89 |
| Payday loan, title loan, or personal loan | 62 |
| Money transfer, virtual currency, or money service | 61 |
| Credit card | 46 |
| Money transfers | 7 |
| Credit reporting | 1 |
| Payday loan | 1 |
| Other financial service | 1 |
| Student loan | 1 |
Concentrated filing states for Bank of the West
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 44.7% of this company's filings
Bank of the West rising annual filings
Annual filing volume from the CFPB public database
- 2023
- 89
- +8800% vs 2011
Volume vs. relief
Where Bank of the West sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Bank of the West files more complaint volume than 43% of them, and closes complaints with relief more often than 79% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,443 · Closed with relief: 17.4%
Top States
| State | Complaints |
|---|---|
| CA | 1.1K |
| CO | 216 |
| AZ | 102 |
| NE | 85 |
| NV | 84 |
| OR | 71 |
| NM | 66 |
| FL | 56 |
| IA | 55 |
| TX | 51 |
| MO | 46 |
| KS | 44 |
| OK | 37 |
| WA | 36 |
| MN | 31 |
| IL | 30 |
| UT | 27 |
| NY | 21 |
| WI | 16 |
| WY | 16 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 546 |
| Account opening, closing, or management | 230 |
| Managing the loan or lease | 151 |
| Closing an account | 116 |
| Incorrect information on your report | 104 |
| Problem caused by your funds being low | 103 |
| Deposits and withdrawals | 90 |
| Opening an account | 84 |
| Problems caused by my funds being low | 82 |
| Problems at the end of the loan or lease | 70 |
| Trouble during payment process | 57 |
| Loan servicing, payments, escrow account | 54 |
| Problem with a lender or other company charging your account | 46 |
| Attempts to collect debt not owed | 37 |
| Applying for a mortgage or refinancing an existing mortgage | 35 |
| Problem with a credit reporting company's investigation into an existing problem | 32 |
| Problem with a purchase shown on your statement | 32 |
| Fraud or scam | 31 |
| Making/receiving payments, sending money | 28 |
| Application, originator, mortgage broker | 28 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 1 | 0% |
| 2012 | 111 | 100% |
| 2013 | 114 | 100% |
| 2014 | 156 | 100% |
| 2015 | 151 | 95.4% |
| 2016 | 165 | 74.5% |
| 2017 | 195 | 96.4% |
| 2018 | 215 | 96.7% |
| 2019 | 263 | 98.9% |
| 2020 | 313 | 98.4% |
| 2021 | 337 | 98.5% |
| 2022 | 333 | 99.1% |
| 2023 | 89 | 96.6% |
Source: CFPB Consumer Complaint Database
Bank of the West in the slower-timely third
Bank of the West's 2,443 logged complaints reach a nationwide footprint - 51 states have at least one filing. Only 34.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2011 through 2023-03-17. Timely response 96.6% sits in the lower third of the corpus.
Bank of the West answers 96.6% of complaints inside the CFPB's tracked window (timely band: slow) and closes 17.4% with relief; 82.5% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Checking or savings account" · top issue "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 the West.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bank of the West: 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: 2.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.6%.
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 the West (#196 of 342; 96.6% timely; 17.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band