Bank · complaint record
Axos Financial complaints
Filed under AXOS FINANCIAL, INC.
Consumers have filed 1,282 complaints about Axos Financial since 2020, 294 of them in the last 12 months (+55% on the year before). It answered 99.3% on time and closed 0% with relief for the customer - less often than a typical bank. The most common problem is managing an account. It is the 25th most complained-about of 188 banks & credit unions this year.
Weak response record. How it works
- Complaints on record
- 1,282
- Last 12 months
- 294
- Answered on time
- 99.3%
- Closed with relief
- 0%
- Last 30 days
- 19
- Rank
- #25 of 188
Since April 2020
+55% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Nov 2, 2026
Most complained-about banks & credit unions
Axos Financial complaints by month
The busiest month was April 2023 (33 complaints). Complaints in the last 12 months are up 55% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Axos Financial answered last 12 months
- Closed with explanation29399.7%
- In progress10.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time42/4599.3% on time
- Relief for customers0/400% closed with relief
- Complaint trend5/15+55% vs last year
What Axos Financial complaints are about
Top Axos Financial problems last 12 months
Inside "Managing an account"
- Deposits and withdrawals 182
- Banking errors 95
- Problem using a debit or ATM card 85
- Problem accessing account 54
- Funds not handled or disbursed as instructed 53
- Problem making or receiving payments 22
Where Axos Financial complaints come from
Most complaints: California (245), Florida (117), Texas (97), New York (79), Georgia (52).
Axos Financial compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Axos FinancialBank accounts | 47 | 294 | D |
| 2 | Randolph-Brooks Federal Credit UnionBank accounts | 43 | 291 | D |
| 3 | First Citizens BancsharesBank accounts | 57 | 286 | C |
| 4 | Mountain America Federal Credit UnionBank accounts | 72 | 281 | B |
| 5 | Alliant Credit UnionBank accounts | 60 | 275 | C |
| 6 | AlbertBank accounts | 45 | 274 | D |
| 7 | Golden 1 Credit UnionBank accounts | 50 | 267 | C |
| 8 | Boeing Employees' Credit UnionBank accounts | 43 | 267 | D |
Compare side by side: Axos Financial vs Randolph-Brooks Federal Credit Union · Axos Financial vs First Citizens Bancshares · Axos Financial vs Mountain America Federal Credit Union · Axos Financial vs Alliant Credit Union
What people say about Axos Financial
All experiencesNo experiences with Axos Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Axos Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 2, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Oct 30, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Oct 30, 2026 | Bank accounts | Problem caused by your funds being lowNon-sufficient funds and associated fees | Explained |
| Oct 28, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Oct 28, 2026 | Bank accounts | Closing an accountCan't close your account | Explained |
| Oct 28, 2026 | Bank accounts | Closing an accountCompany closed your account | Explained |
| Oct 27, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 27, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 23, 2026 | Auto loans & leases | Getting a loan or leaseLoan opened without my consent or knowledge | Explained |
| Oct 23, 2026 | Bank accounts | Managing an accountProblem using a debit or ATM card | Explained |
| Oct 22, 2026 | Bank accounts | Closing an accountFunds not received from closed account | Explained |
Questions about Axos Financial
How many complaints does Axos Financial have?
Axos Financial has 1,282 complaints on record since April 2020, including 294 in the last 12 months and 19 in the last 30 days. That makes it number 261 of every company by complaints this year.
Does Axos Financial respond to complaints?
Yes. Axos Financial answered 99.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 47/100 (grade D).
What do people complain about most with Axos Financial?
The most common problems are managing an account (513), closing an account (150), opening an account (124).
Is Axos Financial legit?
Axos Financial is a real company with a public complaint record: consumers have complained about it 1,282 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Axos Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Axos Financial going up or down?
Up. There were 294 complaints in the last 12 months against 190 in the 12 before (+55%). See every month.
How do I file a complaint against Axos Financial?
Complain to Axos Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Axos Financial complaints come from?
Most come from California (245), Florida (117), Texas (97). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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