Community Financial System, Inc.
212 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 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 on record. Only 34.9% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..
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 Community Financial System, Inc. have?
212, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Community Financial System, Inc. respond to complaints on time?
98.1% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Community Financial System, Inc.?
"Managing an account", filed under the "Checking or savings account" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.