Bank · complaint record
Community Financial System complaints
Filed under COMMUNITY FINANCIAL SYSTEM, INC.
Consumers have filed 232 complaints about Community Financial System since 2017, 47 of them in the last 12 months (+38% on the year before). It answered 97.9% on time and closed 0% with relief for the customer - less often than a typical bank. The most common problem is managing an account.
Weak response record. How it works
- Complaints on record
- 232
- Last 12 months
- 47
- Answered on time
- 97.9%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #84 of 188
Since December 2017
+38% vs the year before
Industry: 99.3%
Typical bank: 19%
Newest: Oct 22, 2026
Most complained-about banks & credit unions
Community Financial System complaints by month
The busiest month was September 2024 (7 complaints). Complaints in the last 12 months are up 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Community Financial System answered last 12 months
- Closed with explanation4493.6%
- In progress36.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time35/4597.9% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+38% vs last year
What Community Financial System complaints are about
Top Community Financial System problems
Inside "Managing an account"
- Deposits and withdrawals 27
- Problem using a debit or ATM card 18
- Fee problem 10
- Funds not handled or disbursed as instructed 10
- Problem making or receiving payments 7
- Cashing a check 7
Where Community Financial System complaints come from
Most complaints: New York (119), Pennsylvania (55), Vermont (28), Florida (5), New Jersey (3).
Community Financial System compared with other banks & credit unions
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | First Interstate BancsystemBank accounts | 58 | 50 | C |
| 2 | B9, IncBank accounts | 0 | 49 | F |
| 3 | Majority USABank accounts | 43 | 48 | D |
| 4 | First Commonwealth FinancialBank accounts | 54 | 47 | C |
| 5 | Community Financial SystemBank accounts | 41 | 47 | D |
| 6 | United BanksharesBank accounts | 32 | 46 | F |
| 7 | RenasantBank accounts | 55 | 46 | C |
| 8 | Wafd BankBank accounts | 48 | 45 | D |
Compare side by side: Community Financial System vs First Interstate Bancsystem · Community Financial System vs B9, Inc · Community Financial System vs Majority USA · Community Financial System vs First Commonwealth Financial
What people say about Community Financial System
All experiencesNo experiences with Community Financial System yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Community Financial System complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 22, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Oct 22, 2026 | Bank accounts | Improper use of your reportReporting company used your report improperly | In progress |
| Oct 20, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | In progress |
| Oct 18, 2026 | Bank accounts | Managing an accountCashing a check | Explained |
| Oct 7, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | In progress |
| Aug 31, 2026 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 12, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Aug 11, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Aug 8, 2026 | Bank accounts | Managing an accountDeposits and withdrawals | Explained |
| Jul 29, 2026 | Bank accounts | Managing an accountBanking errors | Explained |
| Jul 22, 2026 | Bank accounts | Managing an accountFee problem | Explained |
| Jul 14, 2026 | Bank accounts | Problem with a lender or other company charging your accountTransaction was not authorized | Explained |
Questions about Community Financial System
How many complaints does Community Financial System have?
Community Financial System has 232 complaints on record since December 2017, including 47 in the last 12 months and 4 in the last 30 days. That makes it number 694 of every company by complaints this year.
Does Community Financial System respond to complaints?
Yes. Community Financial System answered 97.9% 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 41/100 (grade D).
What do people complain about most with Community Financial System?
The most common problems are managing an account (90), incorrect information on your report (16), problem with a lender or other company charging your account (15).
Is Community Financial System legit?
Community Financial System is a real company with a public complaint record: consumers have complained about it 232 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Community Financial System legit? for the signals, red flags and how to protect yourself.
Are complaints about Community Financial System going up or down?
Up. There were 47 complaints in the last 12 months against 34 in the 12 before (+38%). See every month.
How do I file a complaint against Community Financial System?
Complain to Community Financial System 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 Community Financial System complaints come from?
Most come from New York (119), Pennsylvania (55), Vermont (28). 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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