CFPB · Mid-pack CFPB posture
Community Financial System, Inc.
212 CFPB complaints · 16 states · top issue Managing an account.
Community Financial System, Inc. has 212 consumer complaints in the CFPB public database. Timely response is 98.1%; 13.7% closed with relief; top product Checking or savings account. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +2000% filings 2017 to 2026
CFPB relief outcome brief
CCDB company community-financial-system-inc
13.7% relief · 98.1% timely · 212 filings · Checking or savings account
Same-product relief peers
Nearest relief peer: Dollar Mutual Bancorp (13.6% relief)
Community Financial System, Inc. closes 13.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 212 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.
Community Financial System, Inc. complaint mix by product
- Checking or 124 59.0% – 23% relief
- Mortgage 28 13.3% – 4% relief
- Vehicle loan 21 10.0% – 0% relief
- Credit reporting 16 7.6% – 0% relief
- Credit reporting, 9 4.3% – 0% relief
- Money transfer, 7 3.3% – 0% relief
- Debt collection 5 2.4% – 0% relief
How Community Financial System, Inc.'s 212 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 | 124 |
| Mortgage | 28 |
| Vehicle loan or lease | 21 |
| Credit reporting or other personal consumer reports | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Money transfer, virtual currency, or money service | 7 |
| Debt collection | 5 |
| Payday loan, title loan, personal loan, or advance loan | 2 |
Concentrated filing states for Community Financial System, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 52.8% of this company's filings
Community Financial System, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 21
- +2000% vs 2017
Top States
| State | Complaints |
|---|---|
| NY | 112 |
| PA | 45 |
| VT | 27 |
| FL | 5 |
| CA | 3 |
| NC | 3 |
| NJ | 2 |
| OH | 2 |
| MD | 2 |
| ME | 2 |
| TX | 1 |
| IL | 1 |
| LA | 1 |
| VA | 1 |
| GA | 1 |
| KY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Managing an account | 80 |
| Problem caused by your funds being low | 23 |
| Incorrect information on your report | 16 |
| Problem with a lender or other company charging your account | 13 |
| Trouble during payment process | 10 |
| Improper use of your report | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 6 |
| Applying for a mortgage or refinancing an existing mortgage | 6 |
| Getting a loan or lease | 6 |
| Managing the loan or lease | 5 |
| Closing an account | 5 |
| Struggling to pay mortgage | 5 |
| Closing on a mortgage | 5 |
| Problem with a company's investigation into an existing problem | 3 |
| Attempts to collect debt not owed | 3 |
| Problems at the end of the loan or lease | 3 |
| Communication tactics | 2 |
| Fraud or scam | 2 |
| Opening an account | 2 |
| Confusing or missing disclosures | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 1 | 100% |
| 2018 | 13 | 100% |
| 2019 | 25 | 92% |
| 2020 | 19 | 89.5% |
| 2021 | 22 | 100% |
| 2022 | 19 | 100% |
| 2023 | 28 | 100% |
| 2024 | 25 | 100% |
| 2025 | 39 | 100% |
| 2026 | 21 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Community Financial System, Inc.
Community Financial System, Inc.'s 212 logged complaints stay concentrated: only 16 states show a filing. Only 34.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2026-06-08.
Community Financial System, Inc. answers 98.1% of complaints inside the CFPB's tracked window and closes 85.8% with a written explanation. 13.7% 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 Community Financial System, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Community Financial System, Inc.: 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: 212.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.1%.
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 Community Financial System, Inc. (98.1% timely; 13.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture